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FI NANCIAL 
ADVERTISING 

A COLLECTION OF WORDS, PHRASES, 
ILLUSTRATED ADVERTISEMENTS AND 
FINANCIAL TALKS AS SUCCESSFULLY 
USED BY BANKS, TRUST COMPANIES 
AND OTHER FINANCIAL INSTITUTIONS 



ARRANGED SO AS TO FACILITATE THE 
EXPRESSION OF IDEAS AND ASSIST IN 
THE PREPARATION OF ATTRACTIVE 

FINANCIAL ADVERTISING 

EDITED AND COMPILED BY 

WILLIAM BORSODI 




PUBLISHED BY 
THE BORSODI ADVERTISING SERVICE 

SCRANTON, PA. NEW YORK BINGHAMTON,N.Y. 



*v 



* 



/\fl <v 

5 *? 



Copyright, 1909, 
By WILLIAM BORSODI 



LIBRARY Of CONGRESS 
Two Cooles Received 

jun 4 iaus 

Copynant Entry 

■& Ml. 6 



INTRODUCTION 



A FORMAL, serious, dignified style is a sine qua non in 
bank advertising, for a bank is a dignified institution; 
that all concede. 

The officials grow up in an atmosphere laden with re- 
sponsibility, — the care of the money of the community, the 
.weight of the financing of commerce, accountability to the 
shareholders, etc., and partake in the dignified mien of the in- 
stitution itself, as expressed in all its externals. They are 
staid, self respecting, dignified. 

Not so long ago, bank dignity was supposed to be too 
sacred to be profaned by anything so " ornery " as advertising. 
" Dignity " was irather a brittle affair then. Now, it has 
resiliency. 

It used to be considered incompatible with bidding for 
business. 

That was the bankers' one lapse from good judgment. 
There was such a tradition, and it was taught to every em- 
ployee from president to office-boy. 

Some one at last broke away from it. Very likely he had 
been in mercantile life and had learned that to advertise is 
vitally necessary. 

The old idea of telling in bank advertising simply the 
names of those managing the bank and its capitalization, etc., 
has passed. Bankers will never advertise on the plane that 
patent medicine people do, or rather did. Patent medicine 
people nowadays don't advertise as they formerly did, largely 
to what they have learned from advertising, forced to a better 
style of publicity by the public. Advertising is a powerful 
educator, and the people who buy have been influenced by ad- 
vertising, and are showing better taste and judgment, conse- 
quently " humbug advertising " no longer appeals to them. 
The best merchants — the best institutions — are advertisers ; to 
deal with them educates the public. 

It is no lapse from dignity, but the reverse, to appeal to 
the young man to be saving. Nor is it undignified to tell peo- 
ple not to keep large accounts of money in their homes, but in 
the bank, using the check account, which is a protection against 



FINANCIAL ADVERTISING 



dishonesty from within and theft from without, and also from 
loss of money. Any man who by such counsel prevents the 
pain, such misadventures cause to others does work not lacking 
in dignity. To educate people to travel with letters of credit 
and to put their valuables in the safe deposit vaults ; to make col- 
lections for their convenience, is pretty good work, and bankers 
generally have come to realize that advertising is a threefold 
educational work such as they may well be proud of, benefit- 
ing the advertiser, the public, and that most powerful factor 
for good, the newspaper. 

If this work can be better or more economically accom- 
plished than by advertising, bankers ought so to do it. If it 
can be done better than by newspaper advertising, 
it should be, but it has been pretty conclusively shown that it 
is the newspaper which carries the message of politicians, 
of the church, of the municipality, even of the government, in 
the most economical and forceful way. It has also been shown 
that attractive type, illustrations, the frequent changing of 
copy, appeal to the public. Bankers are wise and they do, 
very generally, adopt the modern methods. 

The awakening has come, and there is hardly a newspaper 
in which the bankers are not telling their story in a most up- 
to-date way, illustrated and finely displayed, typographically. 
The newspaper publisher is equally to be credited with this 
advance, for he realizes that bank advertising is not only de- 
sirable because the bill is promptly paid, but also because it 
really helps the individual and the community. It puts money 
into circulation, it advances prosperity, it forces currency 
through the proper channels. When, some time ago, circula- 
tion was reduced through lack of confidence incident to the 
recent financial disturbance, in the restoration of confidence 
advertising played a star part; bankers used it only. Public 
opinion is most easily influenced by newspapers, for it is 
habitual with human nature to adopt ready-made opinions. 

Co-operation between the newspapers and the bankers is 
very important, and probably the most attractive part in this 
book, is my suggestion to publishers as to giving a " daily talk 
on money matters," surrounded by the advertising of banks 
and bankers, which enhances the value of the advertising space, 
and makes the page not only profitable to the publisher, but 
equally beneficial to the public weal. Therein I got right down 
to a new method of advertising, — to basic banking principles, 
and why the people should use the bank. 



FINANCIAL ADVERTISING 



The editor tells a story about the magic of a bank account. 
It induces the young man to deposit a dollar in the savings 
bank instead of in the box office of a theatre. He finds in the 
newspaper an ad., saying that the bank is open between 9 and 3, 
and another that the box office of the theatre opens after f our 
o'clock. This voice will induce quite a few men to deposit in 
some bank before the theatre box office opens; if, then, right 
next to the editorial talk is the banker's announcement where 
they should deposit and why, the advertising banker gets the 
benefit. 

As an advertising man, it is but natural that I am a be- 
liever in advertising, but I have always thought that bankers 
should advertise more, and I believe it is fitting, in introducing 
this book, to quote from some previous articles by myself that 
appeared in the public press, giving advice along that line 
which bankers have taken good-naturedly. 

The contents of this book are the combined efforts of 
many able men, and have not been arranged conventionally. 
Many men have many minds, and what appeals to one as con- 
servative might appeal to another as just the right thing for 
him. This remark is not to be considered an apology, for every 
line in the book can be of benefit to the man who writes bank 
advertising; even what is faulty is a lesson in how not to 
frame ads. The great painter, Michael Angelo, used to tell 
his pupils that bad pictures possessed the negative virtue of 
demonstrating how painting should not be done. 

William Borsodi. 



BANK ADVERTISING 

(FROM THE LINCOLN, NEB., JOURNAL.) 



[Nineteenth Century Bank Advertising was done by means of what was called 
a " card " giving names of directors — including an occasional " off-colored " one — 
and some figures as to capital, reserve, etc., wholly beyond the computing power of 
the average citizen — for how few realize the immensity of even one million dol- 
lars! There was nothing to arrest attention, or awaken curiosity save in experts, 
who occasionally criticised both names and figures. To read these " cards " was 
as exciting as to con the inscriptions on tombstones ! Now, they are made to 
educate, to uplift and enlighten, the mossgrown " card " having been relegated to 
the limbo where the " old moons " are pigeon-holed. Banks now vie with each 
other — as they should — in getting up pithy advertising copy — often finely embel- 
lished by an artist, too. And their business so increases, responsively, that the 
expense becomes an " unconsidered trifle."] 

BANK advertising has been revolutionized in Nebraska and else- 
where in the past ten years, says the Lincoln Journal. Fifteen 
years ago a banker who would have dared to advertise in any 
other way than with a stiff card giving the name of his bank, its 
officials and capital stock would have been ridiculed as a mountebank. 
It is a fact that in those days many country newspapers had their 
bank advertisement stereotyped in the city and ran them year after 
year without change. The cost of this advertisement was regarded 
by the banker as a donation to the support of the editor and was ex- 
pected to secure his active assistance in the election of candidates for 
office favored by the banker. To-day, both east and west, the major- 
ity of banks are doing " live " commercial advertising, designed to 
convince the public that the bank has something to sell which it is to 
the interest of the public to buy. That article is bank standing 
and credit, stimulation of the habit of saving, advice in the matter of 
investment, having part in the world of industrial activity which is 
financed through the banks. 

The commercial banks to-day are reaching out after the accounts 
of the small farmer, the moderate wage earner, even the student, try- 
ing to induce him to put his small sums into the bank for safe keeping 
instead of the bureau drawer or the bed tick, and promising him in 
return loans proportioned to his earnings and savings when he needs 
them to make an investment or to tide over some temporary need of 
cash. The cost of keeping many of these accounts is, at the start, 
more than the revenue derived from them, but it is regarded as a good 
bank investment for the future. The savings from many of them will 
grow into large accounts and business enterprises and, besides, the 
added stability to the banking business from dealing with a community 
which has formed the habit of doing its business through bank deposit 
and bank check, instead of the pocket book and hidden reserve about 



10 FINANCIAL ADVERTISING 

the house, is a large factor. Any discussion of the currency question 
which does not take into account the diminishing use of ready money 
in business and the greatly enlarging use of banks by classes which 
have hitherto never gone into a bank except to cash a draft and carry 
away the currency, is a discussion outside the facts in the case. Banks 
have gone into advertising as a business. Almost every country news- 
paper carries bank advertisements of persuasive art, asking the great 
non-banking public to come in and sample their line of goods. 



A TALE OF TWO BANKS 

[It is notorious amongst advertising men that bankers are loath to afford adver- 
tising — yet to none is it more beneficial. " Publicity " is the merchant's watchword 
and he is always eager to pay its price. In bank-men there's a streak of false 
economy in that regard. Seems as though banks' books weren't " ruled " for pub- 
licity expense items ! The story below is a good illustration — No need for " plung- 
ing," though; just wise, judicious advertising of the educating and enlightening 
kind. It evidences the managerial caliber better than time-locked safes and costly 
furnishings. Plain talk for the plain people and some variety — " the spice of life " 
—in it. That's all!] 

THE manager of a prominent bank in one of the largest cities 
of America was recently approached by an advertising man, 
who wished him to take a large space in a special edition of a 
daily newspaper, to bring the bank's savings department before the 
public in the modern advertising way. 

The advertising man had prepared an idea for an advertisement 
which he proposed to have used by only one bank in the city; and as 
this was the bank with which he did business, he gave this manager 
first choice. 

The manager, who, though a very busy man, seems to always 
find time to attend to the bank's patrons in regard to matters relat- 
ing to discounts, loans, etc., was very impatient when this scheme was 
briefly submitted to him. " I have no time to talk about that kind of 
advertising," he said. " We find our annual statements and our cards 
in the financial papers sufficient for our regular business ; and as to this 
new savings department, we have thought it best simply to have a 
brief announcement in the newspapers, stating our rate of interest and 
so on." 

The advertising man, though turned down, being a good adver- 
tising man, went to another bank, who had also just established a 
savings department. He presented the scheme to the manager, who 
knew he did business with the other bank, and asked him why he had 
not first gone to his own bank. And the advertising man, being, like 
all advertising men, truthful, said that the other bank had turned him 
down. This bank manager did not turn him down, but promptly 
gave an order for the space, using the heart-to-heart talk which the 
staff of the advertising man had prepared. 



FINANCIAL ADVERTISING 11 

And my ! Wasn't the manager of the bank which carried the 
account of the advertising man mad when he saw the ad in print in 
the special edition ! He called the advertising man up by telephone 
and asked him why he let the bank have that ad without coming in 
to see him about it. The advertising man said that he had always 
found that, in regard to money matters, the manager's word on the 
first interview was supposed to be final, and naturally thought it was 
the same as regards the proposition on which he gave the bank " the 
first show." The bank manager finally admitted that he was hasty, 
and was induced by the advertising man to take regular space in the 
daily newspapers from day to day, to advertise his savings depart- 
ment. 

The success tins department has lately received is mentioned in 
some of the leading banking and advertising papers of the United 
States as being " phenomenal." 

The rival bank started well, but they made the mistake of think- 
ing that the ad in the special edition was sufficient advertising to last 
them for a good while. In view of the success of the other bank, they 
are now themselves beginning to run a change of copy, written so as 
to appeal to those of the public who do not save, and who, if they do 
save, do not put their money in the savings banks. There should be 
something doing in that bank, too, now that they have seen the wis- 
dom of using the modern advertising idea and of applying it continu- 
ously. 



BANKS SHOULD ADVERTISE 

[Pulpit and platform admonish the people how to save their souls and bodies 
—but not their money. That is left to the bankers who — being habitually taci- 
turn — appeal to their intelligence through the eye, not the ear, therefore must 
advertise in the journals read by the people. Hoarding is an aberration af- 
flicting those addicted to it with incapacity to distinguish real from fancied pre- 
caution. A cracked teapot makes a poor bank, but a hole-bedecked stocking is a 
worse one. The Banker is the high priest of practical precaution. Everything 
about him exudes it. To impart it — in season and out of season — to those who 
have not had his training is a duty — to evade which is a crime. His institution 
should advertise good counsel 365 days a year — in Leap years 366 ! Then this tale 
of wail, o'er a stocking frail, with its missing gold, had ne'er been told.] 

AS there is no ill wind that does not blow some good to some one, 
so there is a wholesome moral and a practical lesson to be 
drawn from the sad story of poor Margaret C. Keefe. 
On Saturday last, Miss Margaret C. Keefe rolled up seven $100 
bills, three $50 bills, a few $10 and $5 bills— all in all, $950. She 
made as small a parcel, or bundle, or roll of it as she could, and like 
all daughters of Eve, put it in what she thought to be the safest place 
— her stocking. 

These $950, the savings of seventeen years of toil and abnega- 
tion, every dollar and cent of it earned in the sweat of her brow, and 



12 FINANCIAL ADVERTISING 



this expression of the " good book " is at this time not a figure of 
speech, this accumulated wealth she intended to deposit in a savings 
bank. 

A few days before she had seen a banking advertisement in the 
Herald, and it dawned on her that her money would be safer in the 
bank of which the ad spoke than if kept at home. " Yes," she 
thought, "it will be safer, and my money will not lie idle, but will 
bring me interest and will grow. 

" So I made up my mind to take my money to the bank at Thirty- 
second street and Broadway" (thus she tells her story). "I put the 
money into my stocking and went out, I walked as far as a depart- 
ment store, when instinctively I realized that my money had gone. I 
rushed into the store and into the ladies' parlor, reached down and 
felt for it. My money was missing ! Just back of the ankle I found 
a hole in my stocking. This told me it was lost ! " 

Then she wept, and wept bitter tears. Tears of repentance for 
her thoughtlessness, her foolishness; but over and above all, tears of 
regret for the loss, which to her was irreparable, and laid bare the 
prospect of a dark, dismal future of ceaseless worry and toil. 

The savings of seventeen long years had gone, just when they 
were to be placed in safety. Consider what it is for a New York work- 
ing girl, earning less than $10 a week, out of winch she supports her- 
self, for Miss Keefe is an orphan, to save $950. What hard work! 
What abnegation! What self-denial! What sublime faith and hope 
in a brighter future during all the time that this " enormous " sum 
was being laid by — penny added to penny, nickel to nickel, dime to 
dime, dollar to dollar. 

These $950, had they reached the bank, would have grown $40 
yearly through compounded interest. During the seventeen years that 
it was being " saved up," this money, if it had been deposited in the 
bank in instalments as it was put by in the roll at home, would have 
easily grown to $1,200, and probably to more. 

The lesson of this story is a lecture on the power of advertising. 
For seventeen years Miss Keefe hoarded her money, now in a trunk, 
then in the folds of a dress hidden 'neath a mattress, or who knows 
where, but for her a safe enough place at the time, until her attention 
was attracted by an advertisement, and she decides to do the right 
thing, something she should have commenced doing seventeen years 
before and continued during all that time. 

That banking advertisement in the Herald taught Miss Keefe a 
lesson, taught her a duty, which was to carry her savings to a bank. 

This is the object of our story. There are fully 5,000,000 Miss 
Keefes in the United States ; in other words, there are this many peo- 
ple who are not advised as to the proper place in which to put their 
savings. 

The advertising fraternity, every member thereof, is interested in 
creating new business. 

Friends, brothers, colleagues, harken unto the voice. Here is a 
new field, rich virgin soil it is ; here is the new business. 



FINANCIAL ADVERTISING 13 

According to official statistics, 29,285,922 people in the United 
States were earning money in 1900. The number now, 1905, must 
be about 32,000,000. Of this mighty army of earners only about 
5,000,000 put their savings into the 1,157 savings banks of the coun- 
try. To be sure, it is only reasonable to suppose that a large number 
of these money earners who are not savings bank depositors neverthe- 
less have accounts in State, national and private banks, in trust com- 
panies, loan associations, etc., but, as said before, there are fully 
5,000,000 people who are similarly situated as was Miss Keefe before 
she read that Herald advertisement ; that is to say, 5,000,000 people 
are keeping their savings in stockings, in nooks and corners, and in 
hiding places of divers sorts. 

This is in itself a national economic sin. To hoard money, to 
let it lie idle, to withdraw it from circulation, is to make the national 
wealth less by so much as that idle capital amounts to. 

Money is power, money is force, but only when it circulates. The 
moment it is allowed to lie idle, fruitless, it becomes filthy lucre, dross. 

If many banking advertisements like the one which attracted Miss 
Keefe's attention in Sunday's New York Herald should also appear 
in other papers, and reappear at frequent periods, the number of peo- 
ple of the Miss Keefe kind would quickly diminish. The exchequers 
of the publishers, advertising agents, and the advertising fraternity 
generally, would be the gainers. 

At the close of the last fiscal year the Treasury Department re- 
ceived reports from 

6,923 State and National Banks, 
585 Loan and Trust Companies, 

1,157 Savings Banks, 
854 Private Banks. 



9,519 banking and money institutions, which handled $8,542,839,- 
386. Just think of it ! Nearly $9,000,000,000, and all this, including 
the coin and money handled by the Treasury Department, does not 
reach half the amount of coin and money in circulation not handled 
by banks. 

If these — let us call it in round figures 10,000 banks — and there 
are probably 10,000 others equally safe, although not reporting to 
United States Treasury Department — would advertise to circulate 
through their respective channels the enormous sums lying idle 
through the ignorance or fear of the Miss Keefe kind of people, the 
United States would have money enough to lend to Japs, Russians and 
every other race and nation desirous of borrowing and able to repay. 



CONTENTS 



Key Words ...... 

Banking Phrases ..... 

Illustrated Model Bank Advertisements 
Ready-Made Bank Advertisements . 
Suggestions for Short Talks . 
Financial Editorials .... 



17 
19 

41 

77 
85 
93 



All Advertisements can be used by those 
who have purchased this book. The " Talks 
on Money Matters " are fully copyrighted, 
both illustrations and text, by Wm. Bor- 
sodi, of New York. Arrangements for 
their use should be made with the Borsodi 
Advertising Service, New York, preferably 
through your local newspaper. 



KEY WORDS 



[Modern bank advertising requires intelligent, educational argument. There 
are many "points," any one of which is a sufficient theme for an attractive and 
drawing advertisement. The following "Key-Words" will enable the financial 
writer to present an infinite variety of pertinent argument, and also serve as a 
reminder that every subject is presented in the proper way.] 



Capital 


Realize quick 


Lists 




Provide for sickness 


Income 


Surplus 


Old age 


Reliability 


Reserve 


Loss of position 


Advice 


Deposits 


Start your boy 


Trust Funds 


Accumulate capital 




Personnel 


Be independent 


U. S. Depository 


Officers 


Better citizen 


State Depository 


Directors 


Interest rate 




Management 


Dates for interest 


City Depository 


Reliability 
Security 
Safety 


Open evenings 

Opening Accounts 
Methods 


Exchange 
Bills lading 
Invoices 


Trustworthy 


Necessary Amount 


Warehouse receipts 


Location 


Importance 


Trust Companies 




Economy 


Executors 


Building 


Convenience 


Guardians 


Conveniences 


Pay by check 


Trustee 




Checks are receipts 


Reasons 


Facilities 


Non-disputable 


Security 


Vaults 


Don't carry cash 


Better attention 


Safes 


Unsafe 


Always to be found 


Unwise 


More experience 


Construction 
Secure 


Extravagance 


Never lapses 


Interest on balance 


Non-personal 


Fire-proof 






Burglar-proof 


Collections 


Safe Deposit Vaults 


Time Locks 


Drafts 


Private boxes 


Burglar Alarms 
Watchmen 


Prompt 


Private rooms 
Security 


Special Precautions 


Reliable 


Convenience 


Special Departments 


Economical 


Cost 


For women 


Convenient 


Storage 


For boys 
Description 

Facilities 


Letters of Credit 


Plate 
Jewelry 


Necessity 


Deeds 


Courtesy 


WTiere payable 


Bonds 


Advice 


Cost 


Private papers 


Assistance 


Information 


General Facilities 


Savings 


Investments 


Courtesy 


How to begin 


Bonds 


Attention 


Small amounts 






Large results 


Coupons 


Banking by Mail 


Regularity 


Stocks 


Methods 


Form the habit 


Mortgages 


Convenience 


Better than insurance 


Securities 


Information 



BANKING PHRASES 



[The following phrases are from the pens of many of the best writers 
of Bank Advertising and were compiled for and appeared in the 
Advertisers Cyclopedia of Selling Phrases, published by the Ad- 
vertisers Cyclopedia Co., New York, at $15.00.] 



BANKS 



Kansas City — A bank in this city has inaugurated a 
feature that is making a hit with the women depositors, 
and is getting considerable business away from other 
banking houses. A shrewd official noticed that most 
women carried their money in the bosom of their dress or 
in another place, harder to reach — their stocking. To get 
the money after reaching the bank they were forced to 
Watch for an opportunity when no men were around, turn 
their back and, with a sudden dive, get tlie bills from their 
hosiery. To overcome this he opened the " stocking 
room." 

The women are enthusiastic. They retire to the room, 
which is neatly arranged, remain as long as they desire, 
and emerge with the amount to be deposited in their hands. 



Every dollar deposited with us is safe- 
guarded by approved and up-to-date 
methods. Every patron of this bank is 
accorded courteous treatment and the 
most liberal terms consistent with sound 
banking. — Exchange National Bank, Spo- 
kane, Wash. 

Men strive to acquire property so tha-t 
when they have passed away their fami- 
lies may enjoy the fruits of their labor. 
It is, therefore, wise to select for the 
careful distribution of your fortune, an 
executor of established experience and re- 
sponsibility. We act in this capacity. — 
Springfield Savings Bank, Springfield. 

Instantly available. Money deposited 
on a savings account should always be 
looked upon as put away for the future 
and the successful saver will not touch 
his savings except for some really press- 
ing need. However, one of the objects 
of a savings account is to provide for 
emergencies and it is practically sub- 
ject to instant call at any time. To pro- 
tect itself in times of panic this bank 
has a provision that it can demand no- 
tice for withdrawals, but this is not 
enforced nor will it be except in the 
most unusual circumstances. At all or- 
dinary times money can be withdrawn on 
demand. — Spokane $ Eastern Trust Co., 
Spokane, Wash. 

There is wonderful strength and great 
satisfaction of mind in a bank account. 
When you know absolutely that you have 
money in the bank against a rainy day — 
you don't know how good you feel. And 
it is surprisingly easy to accumulate, 
once you've started. Bring down all 
your money and start an account — then 
add to it, slowly but surely — and watch 



it grow. — The Fourth National Bank, 
Montgomery, Ala. 

Suppose you save one-quarter of all 
you make? Just think of what such a 
system would have done for you had you 
commenced it five years ago ! But cheer 
up — it isn't too late. Simply make up 
your mind that you will live on three- 
quarters of your earnings and that you 
will put the other fourth in the bank 
every week. The dollars will pile up sur- 
prisingly. Try it. Now is the time to 
open the bank account. Start to-day 
with the Montgomery Bank <% Trust Co., 
Montgomery, Ala. 

Pay all your bills by check. In this 
way you will be able to know to the 
penny the exact amount of the cost of 
your living, and always have the best 
kind of a receipt in the returned and 
endorsed check. We will extend to you 
every facility. — The People's Savings 
Bank, Zanesville, Ohio. 

Safety and income are the two pri- 
mary considerations in choosing a sav- 
ings bank. An account with this bank 
is as safe as government bonds, and 
draws four per cent, interest, com- 
pounded semi-annually. Begin saving to- 
day. — Equitable Savings Bank, Los An- 
geles, Cal. 

Permanent solidity. This bank is solid 
as a rock, because: It puts safety first; 
it takes no speculative chances; it is 
conservative in all its investments, put- 
ting every dollar of the money of its 
savings depositors into bonds, warrants 
and first mortgages on real estate. These 
are the kind of securities that are safe 
and solid, to-day, to-morrow, and fifty 
years from now. Your savings should 



22 



FINANCIAL ADVERTISING 



be so safeguarded. — Spokane §■ Eastern 
Trust Co., Spokane, Wash. 

Poor Richard said: " 'Tis better to 
spare and have than to spend and crave." 
Does any one doubt the wisdom of his 
words? Look around you to-day and 
you will see on every side examples of 
men who, during their working years, 
spent their incomes regardless of the 
future, and now in their declining years 
they are in sore need of those comforts 
which should be the portion of the aged. 
Likewise in the same communities you 
will find men surrounded with plenty, 
and they're the ones who, although 
starting life under the same conditions 
as the class above mentioned, regularly 
saved a portion of their earnings in 
order that when they could no longer 
rely on their talents for a steady in- 
come they would have a harvest stored 
up which would insure peace and plenty 
for their later years. Have you thought 
this over? Have you taken stock of the 
future? If not, consider the matter now 
and start right by getting acquainted 
with this bank, for here is the safest 
and surest place to store the results of 
your saving. Your money here will al- 
ways be at your command and besides 
will work for you night and day, as we 
pay you three per cent, interest on all 
deposits. Start to-day. The bank for 
all the people. — The Lansing State Sav- 
ings Bank, Lansing, Mich. 

The continued growth of this depart- 
ment is the best evidence of its popu- 
larity with those who want fullest meas- 
ure of economy and convenience in their 
shopping. They enjoy every benefit of 
our cash system and our famously low 
prices and at the same time they have 
the convenience of having their purchases 
charged. We send them a detailed state- 
ment once a month, and on their bal- 
ances we allow them four per cent, in- 
terest annually, compounded every three 
months. Money so deposited can be with- 
drawn at a moment's notice. — Macy's, 
New York, N. 7. 

The strength of a financial institution 
lies in its capital — its assets, its honor- 
able history and ability, character and 
standing of the men who conduct its 
affairs. Possessing all these qualities in 
an eminent degree, this bank invites ad- 
ditions to its list of customers and of- 
fers the best service alike to those of 
large and small means. One dollar will 
start an account — pays dividends on all 
deposits. — Sacramento Bank, Sacramento. 

Savings bank luck. When some man 
takes a sudden step up in the world, a 
lot of people say " Luck." Probably he 
worked and saved a long time to get 



ready for that step up. There is more 
savings bank luck than any other kind, 
and the best of it is that you can make 
it for yourself by opening an account 
here and depositing regularly. We add 
four per cent, interest, and assure you 
of safety by lending only on Cleveland 
homes. — The Cleveland Savings § Loan 
Co., Cleveland, Ohio. 

The secret of success isn't tied up in 
the sphinx — it's an open way to any wide 
awake observer. Russell Sage saved his 
first dollar and ultimately saved up- 
wards of one hundred millions. Deposit 
your savings here, get the three per 
cent, interest we allow — that compounded 
quarterly — and reap the reward of thrift. 
Four per cent, on $1000 and over. De- 
posits received from $1 up. — Union Sav- 
ings Bank, Mobile, Ala. 

Saving. It's easy to save — merely a 
matter of spending less than you earn. 
Keeps growing easier, too — becomes sur- 
prisingly easy after you've practiced it a 
while. People fall into the habit of 
spending money thoughtlessly and imag- 
ine they cannot save. Cultivate thought- 
fulness and carefulness and you're bound 
to save. Open an account to-day — 
there's protection, encouragement and 
satisfaction in a saving account. — Mont- 
gomery Bank <£- Trust Co., Montgomery, 
Ala. 

Valuable, efficient banking service. The 
First National Bank of Binghamton has 
rendered valuable and efficient banking 
service to its many thousand depositors 
and clients, who have found safety and 
satisfaction in transacting their banking 
business with this institution. — The First 
National Bank, Binghamton, N. Y. 

The right move is sometimes hard to 
make, but in the end when you have 
profited by it you realize the value of 
overcoming its difficulties. In the prac- 
tice of thrift and the acquiring of the 
saving habit the right move, and the 
first one, is to start a bank account. 
This may not be easy at first, for with 
your money in the bank instead of your 
pocket the many little expenditures will 
have to cease — if you would make your 
bank account profitable. But after you 
have gotten into the habit of coming reg- 
ularly to the bank, your savings, together 
with the three per cent, interest they 
earn, will show results that cannot fail 
to satisfy you. The bank for all the 
people. — Lansing State Savings Bank, 
Lansing, Mich. 

Do you pay interest or installments on 
a municipal debt at stated times? If so, 
why don't you establish a sinking fund 
by opening an account in our savings de- 
partment, which will draw three per cent. 



FINANCIAL ADVERTISING 



interest and help you take care of your 
payments when due, and thus lighten 
your burden of debt. — Lexington Bank- 
$• Trust Co., Lexington, Ky. 

A bank account, like everything else, 
must have a beginning. If you are think- 
ing of opening an account, do not delay 
the step until you have accumulated a 
considerable sum. One dollar or more 
will do as a starter. The rest will come 
more easily than the first hundred. Do 
it now.— The Will County National Bank, 
Joliet, III. 

Money loaned on household furniture 
and left undisturbed. Now you can 
avail yourself of this advantage imme- 
diately because only the lowest rates 
charged which enables you to not only 
help yourself conveniently, as well as 
confidently, but you can repay us in 
easy installments to suit your income 
— either weekly or monthly. Come in 
and see us anyway, it costs you nothing. 
Information free. We'll send to you 
if you like. — Home Loan Co. 

A prosperous bank. The First National 
Bank extends courteous and liberal treat- 
ment to every depositor, whether the ac- 
count be large or small. That is why 
this bank is growing each day in strength 
and public favor. — The First National 
Bank, Binghamton, N. ¥. 

One hundred and fourteen years — 1792 
-1906. During all this time the Hartford 
Bank has stood for the best in financial 
matters and methods. It has been here 
a long time, but its outlook was never 
more brilliant and encouraging than to- 
day. Its great strength, its attitude to- 
ward the public, and its treatment of pat- 
rons, are the controlling factors in its 
growth. If you do business through the 
Hartford Bank you are safe. — The Hart- 
ford National Bank, Hartford, Conn. 

We regard the liberal interest we pay 
you on deposits as a dividend — your just 
share of the profits derived from the 
safe, conservative investment of your 
funds. Yet your capital is available at 
all times. — Equitable Savings Bank, Los 
Angeles, Cal. 

This is your time — take it — to start a 
bank account. Don't procrastinate — do 
it now. You can do without luxuries to- 
day that will buy necessities twenty years 
hence. By depositing dollars with us you 
not only save them but add to them four 
per cent, interest every twelve months, 
and to that the compound interest we 
also allow four times a year. Get your 
first dollar in to-day. — The Equitable 
Bldg. Co., Zanesville, Ohio. 

Have you standing in the community? 
There is nothing under the sun that will 



establish you on a basis of credit so 
quickly as a bank account. There is 
nothing that will destroy that credit more 
surely than to draw checks against 
money that is not already in the bank. 
A bank account will not of itself make 
you rich, famous or virtuous, but it will 
help on the good work if you handle it 
right. Come to see us. We will tell 
you all about it. — The Hartford National 
Bank, Hartford, Conn. 

The wage-earner, more than anyone 
else, should cultivate the Savings Habit 
and own a bank account. There is no 
telling when lack of work or sickness 
may cut off all sources of income and 
place your family in hard straits. 

Hundreds of working people in New- 
ark own their own homes through first 
starting an account in " The Old Home " 
and saving regularly. Four per cent, 
compound interest paid. — The Neivark 
Home-Building Ass'n Co., Nevjark, Ohio. 

If you knew that during the next 
twelve months your expenditures would 
equal your income, you would want to 
change things — wouldn't you? A check- 
ing account will give you a complete 
record of each month's receipts and ex- 
penditures. You will have up-to-date 
knowledge of your financial affairs. It's 
a good plan to pay all bills by check. 
We furnish you a bank book and checks. 
We offer exceptional advantages for car- 
rying checking accounts. — The Citizens' 
National Bank, Mansfield, Ohio. 

This bank is patronized by the laboring 
man and the mechanic, it is patronized 
by the man of business and the man of 
leisure; in fact, it is patronized by all 
classes. A dollar a week dropped into 
our savings bank soon amounts to quite 
a sum. Try it. Four per cent, interest 
added half yearly. — Iowa Savings Bank, 
Ottumwa, Iowa. 

The man who wins is the man who is 
ready when opportunity knocks at his 
door. The best business opportunity may 
come when you are not prepared to take 
it. Then you will regret and say, Had 
I begun early in life to save my earn- 
ings, I would have been financially pre- 
pared, and this fine business chance would 
not have gotten away from me, but alas ! 
it is too late now ! Take heed, young 
man, young woman. Be ready when op- 
portunity calls, by opening an account in 
our savings department at once. We 
will pay you three per cent, sure inter- 
est, and your investment is protected 
by over $1,200,000. — Lexington Banking 
$ Trust Company, Lexington, Ky. 

In the selection of a bank the matter 
of first importance is safety. There is 



24 



FINANCIAL ADVERTISING 



little incentive to save if there is the 
slightest possibility of loss. This com- 
pany is absolutely safe, all of its oper- 
ations are under State Inspection, and its 
depositors are safeguarded in every way 
known to banking. — Sangamon Loan Sj; 
Trust Co., Springfield, III. 

Some folks are getting rich, and ap- 
parently with great ease. Do you know 
their plan? In many instances here it 
is: They commenced by laying aside a 
fixed portion of their income each week; 
this they deposited regularly in our sav- 
ings department, where it was allowed to 
accumulate and draw interest at the rate 
of three per cent. Are you working 
along this line? — Third National Bank, 
Lexington, Ky. 

Safety is the password in transferring 
money — convenience is also of equal im- 
portance. You have both safety and con- 
venience in money matters when you 
pay by check. A checking account is the 
simplest method for everyone — for you — 
to employ in financial affairs, because 
you have a complete record of every 
transaction. We welcome small accounts. 
All accounts — large and small — receive 
the same careful attention. — The Citi- 
zens National Bank, Mansfield, Ohio. 

For the greater convenience and ac- 
commodation of our lady customers, we 
have a department designed especially for 
their use in transacting business. We 
will be pleased to receive callers there 
and furnish any information desired. — 
The Detroit Savings Bank, Detroit. 

Thousands of persons in Joliet have 
become systematic savers who a few 
weeks ago had not seriously considered 
this important matter. Our savings de- 
partment, in which the deposits draw a 
moderate but safe rate of interest, is 
an ideal place for the safe-keeping of 
your accumulations. Interest compounded 
semi-annually. Saving department three 
per cent, interest. — Citizens' National 
Bank, Joliet, III. 

Do your own banking. Your earnings 
get into the bank whether you put them 
there or not. If you spend all somebody 
else deposits your money. Better start 
a savings account to-day and receive 
the benefits — three per cent, interest your- 
self. — Exchange Savings Bank, Mt. Pleas- 
ant, Mich. 

The best plan for the safety and pro- 
tection of accumulated money is to de- 
posit that money with us. Safety is 
always our thought and aim. We accept 
the savings of our depositors as a sacred 
trust and handle them with all possible 
care and diligence. Our funds are in- 
vested in first mortgages and sound col- 



lateral securities and the rate of inter- 
est paid is always in accord with the 
earnings obtained. — Security Trust Co., 
Lexington, Ky. 

Ask yourself these questions, then do 
a little careful thinking. Do you know 
your financial condition? Are you get- 
ting ahead, or just keeping even, or are 
you running in debt? We are the peo- 
ple who can aid you in getting on a 
better financial footing. Open a savings 
account with us, add a little to it every 
week. Your account will grow fast, and 
earn you three per cent, interest, and at 
the end of a year you will see how easy 
it is to get ahead and keep ahead. 
Every dollar you deposit at this bank is 
protected by over $1,200,000. — Lexington 
Banking Q Trust Co., Lexington, Ky. 

When to save. Whenever earning be- 
gins saving should begin. We have 
started a lot of people in the right di- 
rection. Some had never before saved 
anything — because they had given the 
matter no serious thought. Our savings 
department is an ideal place in which 
to start an account that may lay the 
foundation of your fortune. Deposits 
of one dollar or more will be received, 
and we will pay you four per cent, in- 
terest compounded twice a year. Start 
to save now. — Commercial National Bank, 
Pendleton, Ore. 

This bank's history embraces seasons 
of panic and pestilence, depression and 
prosperity, ebb tide and flood tide, of 
the black years of '73 and '93 and '96, 
but from the time of its beginning to this 
day of grace — nearly forty years — save 
on legal holidays, its doors have never 
been closed, and it has discharged all 
trusts and met all obligations with ab- 
solute fidelity. It has not heretofore 
paid, and does not now pay, interest 
on deposits of any character, and it 
will not seek to secure business " upon 
any terms " with the accompanying ne- 
cessity for taking unwarranted risks in 
the endeavor to make it profitable. It 
stands upon this record. Accounts, large 
or small, solicited. — The First National 
Bank, Montgomery, Ala. 

How dollars grow. Seeds never grow 
until planted. Dollars do not increase 
unless they are set to work earning in- 
terest. If you wish to have a fortune 
grow you should set your dollars to 
work by depositing them in the savings 
department of this company, where in- 
terest will be allowed at the rate of 
four per cent, per annum. Officers, I. 
H. C. Royse, president; Jas. S. Royse, 
vice-president; F. C. White, secretary. 
Capital $200,000.00.— The Terre Haute 
Trust Company, Terre Haute, Ind. 



FINANCIAL ADVERTISING 



25 



The vacation question. Have you need 
of a summer vacation? Do you wish to 
take one? Have you the money to do it? 
If not, here's suggestion: Open a "Lay- 
by " account in the Manufacturers Na- 
tional Bank and add to it weekly. The 
exhausting hot weather will then find you 
prepared to take your much-needed and 
well-earned rest. Many industrious work- 
ers have followed this plan in former 
years to their advantage. If it has never 
occurred to you before, why not act 
on this suggestion and start your " Lay- 
by " account now? Never mind if the 
amount is small, we fully realize that all 
are not millionaires. — Manufacturers Na- 
tional Bank, Troy, N. Y. 

Four million, five hundred thousand 
dollars is the amount of the reserve fund 
of the Bank of Toronto, and is an illus- 
tration of the strength of this old re- 
liable institution. This fund is composed 
of profits laid aside, and premiums on 
new stock issues, and is maintained as 
an additional guarantee to depositors of 
the safety of their money. Attention is 
drawn to the fact that this reserve is 
$500,000 larger than the capital.— The 
Bank of Toronto, Toronto, Canada. 

If sickness comes, who is going to pay 
the bill? While a man is in good health 
he seldom considers this, but sickness 
may come at any time. So while you are 
able to work, save out of each week's 
earnings enough to protect you against 
the time when you may be sick. Open 
an account with us to-day. — Wapello 
County Savings Bank, Ottumwa, Iowa. 
First step to a successful career is the 
establishing of a sound, safe bank con- 
nection. This bank will welcome you as 
followers in the footsteps of the many 
successful men who began their career 
by opening an account with it. One 
dollar is sufficient for a start — pays 
dividends on all deposits. — Sacramento 
Bank, Sacramento, Cat. 

Forward or backward, which way are 
you going? Are you saving or are you 
running behind? It's to your best in- 
terest to consider this matter seriously. 
You cannot begin to go forward finan- 
cially until you learn to save your money, 
and open an account in our savings de- 
partment, add a little to it each week, 
and this, coupled with the three per 
cent, interest that it will earn you, will 
soon start you forward on the road to 
success. — Union Bank and Trust Co., 
Lexington, Ky. 

Don't wait for your business to grow 
before opening an account here — become 
a depositor to-day and grow with us. 
Many of our small depositors of years 
ago are large depositors to-day and can 



tell you how much an account with this 
bank has helped them. Safety, cour- 
tesy and promptness to every depositor 
alike is our motto. — Merchants' National 
Bank, Fargo, N. D. 

The old saying that constant dripping 
wears away the hardest stone ought to 
teach us a lesson regarding our ex- 
penditures, for just as surely will the 
constant leak of needless expense wear 
away whatever foundation you may have 
for your future prosperity. Stop the 
leak — get the habit of going regularly 
to the bank, and when you spend money, 
spend it wisely. The saving habit may 
not always be easy to begin, but once 
started, it grows on you, and before 
long you will be interested in watching 
the growth of the figures in the bank 
book, helped along by the three per 
cent, interest you receive at " the bank 
for all the people." — Lansing State Sav- 
ings Bank, Lansing, Mich. 

Conservatism the keystone. Deeds, 
mortgages, notes, insurance policies, con- 
tracts and other valuable papers, are 
absolutely safe from fire, burglary or 
mislaying while in a safe deposit box 
here. The safety of one paper is 
worth the $2.00 a year. — Equitable Sav- 
ings Bank, Los Angeles, Cat. 

Our distinct aim is to make and keep 
this bank active, progressive and in the 
fullest and best sense an up-to-date in- 
stitution. The present gratifying con- 
dition of the bank may easily be traced 
to the satisfactory service and cour- 
teous treatment extended to all deposi- 
tors. You are invited to do your bank- 
ing business here. — First National Bank, 
Zanesville, Ohio. 

Prompt decisions. The man who can 
make up his mind quickly and act 
promptly is the man who succeeds in ac- 
complishing things. Better make a mis- 
take occasionally than never to know 
your own mind. Prompt decisions char- 
acterize the service rendered by this bank 
to its customers. They are made pos- 
sible by an intelligent study of the re- 
sources, abilities and needs of those 
who come to us for accommodation or 
assistance. — The Hartford National 
Bank, Hartford, Conn. 

Conservatism is not opposed to prog- 
ress, contrary to the old view of staid 
and dignified banking. Through two 
generations it has been the aim of this 
bank to be abreast with modern prog- 
ress, but to hold fast to the belief in 
honesty; not the mere honesty of dol- 
lars and cents, but honesty in its higher 
sense, which means honor. It has al- 
ways considered its shareholders, but it 
has never neglected its patrons and has 



26 



FINANCIAL ADVERTISING 



never forgotten that the cordial friend- 
liness of every good man in the commu- 
nity is its most valuable asset. It still 
holds to these tenets, which have so 
largely contributed to its successful ca- 
reer of nearly forty years. New accounts 
are invited. — The First National Bank, 
Montgomery, Ala. 

No savings in youth has its results in 
old age. As we grow older we learn to 
appreciate the comforts that money will 
buy. The young people that form the 
habit of thrift and economy, investing 
their means carefully, either in educa- 
tion or otherwise, will be the characters 
that will do things later. Build up a 
little bank account to call upon when 
needed. If in our vicinity call and see 
us. — Union Park Bank, Spokane, Wash. 

Careful management of your banking 
business. Have you ever considered how 
the successful men of to-day attained 
their financial independence? Success in 
business is due in a large degree to the 
careful management of your banking 
business. An account with the Ameri- 
can National Bank of El Paso assures 
absolute safety for your money — also 
careful and prompt attention to the de- 
tails of your banking business. Four 
per cent, interest paid on certificates 
of deposit. — American National Bank, 
El Paso, Texas. 

We offer you our safe deposit vault as 
a safe and proper place for your will 
and valuable papers. In the event of 
your death no one can obtain them 
except your legal representative. We 
also solicit your deposit account. — Cali- 
fornia State Bank, San Bernardino, Cal. 

The man who patronizes every place 
of business on the street except the 
bank is certain always to remain poor. 
There is no better place to begin your 
bank account than The State Bank, Co- 
lumbia, S. C. 

The growth of this bank has been 
steady and rapid. Modern methods, su- 
perior facilities, courteous treatment, 
combined with a large capital and sur- 
plus have helped this institution to at- 
tain its strong position and the good 
will of the people of this city. We so- 
licit the accounts of individuals, mer- 
chants, manufacturers and societies. — 
State Bank, Hartford, Conn. 

Looking over the good points in our 
plan of loaning money you'll find it ca- 
pable of rendering you excellent ser- 
vice any time quickly, cheaply and pri- 
vately. We loan any amount, large or 
small, on the shortest notice, on the 
most reasonable terms and fairest special 
plan of repayment ever offered. — Fidel- 
ity Loan Co., Peoria, III. 



Three reasons why one should carry 
an account with a bank. 1. Because 
your money is safer in a bank than any- 
where else. 2. Because paying bills by 
check is the simplest and most convenient 
method, as well as the safest, as your 
check becomes a receipt for the debt it 
pays. 3. Because it gives a better stand- 
ing in the community, especially among 
the business men, to pay by check rather 
than cash. — The Fargo National Bank, 
Fargo, N. D. 

A man's earnings invested in a good 
savings bank account will buy him a 
home, or set him up in business, almost 
before he knows it, because interest at 
the rate of four per cent, per year — the 
rate we allow — counts up quickly, espe- 
cially as we compound even that in- 
terest if redeposited or left standing. 
But ask us all about it or get our free 
booklet. — The Equitable Building Co., 
Zanesville, Ohio. 

It's not what you earn that makes you 
rich, but what you save. Then why don't 
you start saving now? A dollar in bank 
is an obstinate thing — it stays put. Cart 
you say as much if it's in your pocket? 
Does your pocket pay interest — does it 
give you the self-respect and confidence 
in the future that a gradually increas- 
ing bank account does? The road to 
prosperity is before you — start saving 
with a dollar deposit. You'll be sur- 
prised to see how the habit grows. So 
does the deposit. — Home Savings Bank, 
Washington, D. C. 

Protection for securities. Considering 
the low cost and the perfect security 
of a box in a modern safe deposit vault, 
it is unwise to keep securities, insurance 
policies, savings bank books, deeds and 
other valuables in your house or office 
safe. Our safe deposit vault does what 
no amount of insurance can do — it ac- 
tually prevents valuables from being 
burned or stolen. Inspection cordially 
invited. Access during business hours. — - 
The Schenectady Trust Co., Schenectady, 

How money flies every one knows when 
it is placed where you can spend it easily. 
When you invest what isn't necessary in 
a savings bank you forego many tempta- 
tions to spend, and your money accumu- 
lates and brings you three per cent, in- 
terest. Place your money in this bank 
now and it will draw interest at once; 
four per cent, on $1000 and over. De- 
posits received from $1 up. — Union Sav- 
ings Bank, Mobile, Ala. 

One of the great advantages of a con- 
nection with a bank of strength and ex- 
perience, is the valuable advice it may 
give you on financial matters. This 
bank places freely at the service of its 



FINANCIAL ADVERTISING 



27 



customers its judgment and knowledge 
in these affairs, and it heartily en- 
courages such use of its facilities. In 
its career it has saved many from seri- 
ous losses, by timely and sound advice 
about investments. — First National Bank, 
Montgomery, Ala. 

Every thinker recognizes how essential 
the saving habit is to success. A regu- 
lar sum regularly deposited as you re- 
ceive your income is the secret of sub- 
stantial saving. Open an account with 
this bank. A single dollar is enough to 
start you. Then add to it regularly. 
This bank pays four per cent, compound 
interest on savings deposits. Your money 
earns substantially here. — Union Bank of 
Savings, Los Angeles, Cat. 

Whatever purpose you may be saving 
money to fulfil — it pays to open a " Cen- 
tral'' savings bank account — pays and 
helps. It provides a system under which 
you can watch the accumulation grow, 
while all the time your fund is protected 
from thoughtless, wasteful spending and 
held true to your object. Besides, it 
pays interest — four per cent, per annum, 
compounded twice yearly — a nice little 
item of profit to add to your own ef- 
fort. Yours by mail, too. — Central Sav- 
ings Bank, Leadville, Col. 

If you would be rich be thrifty — save 
your money and bring it to us for safe 
keeping. You may miss big profits, but 
just as certainly you will escape the 
danger of possible losses. We solicit 
your deposits, no matter how small in 
amount. — The Commercial Bank, Youngs- 
town, 0. 

When you find your creditors are play- 
ing horse with you and show a disposi- 
tion to crowd you, remember that the Fi- 
delity Loan Company stands ready to 
loan you any amount you require to 
settle up your bills and will permit you 
to repay them in small monthly or 
weekly payments that you can easily 
make. — Fidelity Loan Co., Peoria, III. 

Young man! Do you know that sav- 
ing is not stinginess, but a duty? Do 
you know that if you don't save before 
you are married, you won't save after 
marriage? Do you know that the in- 
terest on the money you would save in 
your youth would make comfortable the 
days of your old age? Do you know 
that you owe it to your own self-re- 
spect and to those who may be dependent 
on you in the years to come to save? Do 
you know that we pay three per cent, 
interest on your savings and that we ac- 
cept deposits as low as $1? — Planters' 
National Bank, Richmond, Va. 

Don't waste money. It is wrong to put 



all your money down your throat or on 
your back or in useless luxuries or 
pleasures. Enough for necessities^ 
enough for pleasure and the balance in 
your savings bank account is the right 
way to divide your income. — The Colum- 
bus Savings <$; Trust Company, Colum- 
bus, Ohio. 

Save the pennies. Tuck them away in 
one of our small savings banks and when 
you are ready bring them here and we 
will open an account with you. There 
are many, both big and little folks, who 
find this new plan a great advantage. 
Call and open an account and get one of 
the small banks. — East Side Savings 
Bank, Rochester, N. Y. 

Grandmother's stocking was to her 
time what that clock bank is to the 
present generation — a place for accumu- 
lating small change. How much more 
useful the clock bank ! You get one 
for your own use by depositing $2.00 
in a savings account here. Our clock 
banks are original in design. They are 
good time-keepers and practical money 
savers. — The Western, Reserve Trust Co., 
Cleveland, O. 

Now is the time. Tn the early years 
of life is the time to learn to save. It's 
easier to learn then than after habits 
of extravagance are formed. The boy 
who spends his pennies foolishly, will 
spend his dollars foolishly if he ever 
has any. Buy the boy a bank and teach -*, 
him to save something. He'll be glad of 
it when he is older and wants to go 
into business for himself. Pennies make 
dollars and dollars make a man indepen- 
dent.— City Savings Bank, Omaha, Neb. 

Anybody can make riches fly, but the 
trick is to make them fly in the proper 
direction. Persistent saving solves the 
problem. $1.00 starts you. — Cincinnati 
Trust Co., Cincinnati, O. 

But one sure way to get money — earn 
it. But one sure way to have money — 
save it. But one sure way to save money 
— by systematic saving day by day, week 
by week — by getting it out of your 
pocket, where it will surely burn holes — 
by putting it to work in a reliable bank- 
ing institution. We offer you our ser- 
vices, one of our home banks may help 
you. We invite you to call. As to our 
responsibility — investigate; we are proud 
of our record. — Citizens' National Bank, 
Mansfield, O. 

" Shall I commence to save now by de- 
positing my surplus earnings with a Sav- 
ings Institution?" is a question you 
should ask yourself. If you decide in 
the affirmative, open an account with us. 
— The Security Title and Trust Com- 
pany, York, Pa. 



28 



FINANCIAL ADVERTISING 



To be a true helpmate a wife should 
be thrifty and help save her husband's 
money. Husbands are delighted when 
their wives form the saving habit. We 
offer you the opportunity to please your 
husband and at the same time increase 
your worldly stores. One dollar starts 
an interest-bearing account. Safety de- 
posit boxes for valuable papers for rent. 
- — The Continental Savings Bank, Mem,' 
phis, Tenn. 

The best New Year's resolution, and 
one that will never be regretted, is to 
sign your name to the list of deposi- 
tors of the Commercial Bank and 
thereby take a step towards assured 
wealth and prosperity. Our bank has 
an unassailable, firm financial founda- 
tion. — Commercial Bank, Port Huron. 

It's a good thing to be well prepared 
against the adversities and contingencies 
of life. Money in bank answers the pur- 
pose most times. Let your dimes and 
dollars lie with us and note the incre- 
ment three per cent, tri-annual inter- 
est will foot up at the end of a year, 
five years, ten. We will be glad to give 
you explicit information on request. — 
Commercial Bank, Port Huron, Mich. 

Put your shoulder to the wheel. — The 
big round dollar — and try to roll up a 
few of them into a savings account next 
year. Start an account here with one of 
them — if no more — and whenever you 
start to spend one foolishly during 1904, 
stop, put it into your savings account, 
and let it be earning three per cent, 
interest, compounded semi-annually, for 
you. — Kentucky Title Savings Bank, 
Louisville, Ky. 

An ordinary safe is possibly good 
enough protection under " ordinary " cir- 
cumstances. 

But burglars come, fires occur, when 
least expected, and easily penetrate the 
best of them. 

Not so with our safe deposit boxes 
— what they have they hold. 

You can rent one for a few dollars a 
year. — Title Guarantee and Trust Co., 
Atlanta, Ga. 

Down brakes now! and try to save 
something next year. Open a savings ac- 
count at this bank — with $1 if no more 
— and put part of your income into it 
regularly. Take one of the little banks 
which are furnished free to depositors 
for home use. You'll find it a great help. 
Many a " stray nickel " will get into 
it and help swell your fund. Interest 
at three per cent., compounded semi-an- 
nually. — Kentucky Title Savings Bank, 
Louisville, Ky. 

Can you answer yes? when asked if 



you are satisfied with the state of your 
finances — ■ 

If not a savings account will, per- 
haps, help you to answer more satisfac- 
torily. 

The best depository for this account is 
the First National Bank, Charlotte, 
Mich. 

Dollars and sense. — Your money is not 
idle a minute in our hands. 

We watch it — keep it working day and 
night. 

It increases rapidly. 

Why not start the ball rolling now? 

One dollar will do it 

Then what you add from time to time, 
with the interest, will soon grow to a 
very handsome amount. 

Call to-day and begin your financial 
prosperity. We pay three per cent, in- 
terest. — Scranton Savings Bank, Scran- 
ton, Pa. 

Nature teaches the birds and beasts to 
make provision for the future. Why 
don't you follow the example of these 
good providers and save from present 
earnings for future needs? — The Security 
Title and Trust Company, York, Pa. 

If you have not visited this bank on 
Saturday night you should come this 
evening and see the crowds of wage- 
earners depositing their earnings — it 
would be a revelation to you and give 
you some idea of the saving workers 
of Los Angeles. — Southern California 
Savings Bank, Los Angeles, Cal. 

If you wait for your ship to come in 
you may be without your share of this 
world's good things for a long while. 
A better way is to begin saving now. — 
The Columbus Savings and Trust Co., 
Columbus, Ohio. 

How is it that the small wage earner 
forgets the future? In the majority of 
cases he does not save and at sixty is 
still going around his circle of spending 
his all. Save a certain percentage of 
your earning. It is the royal road to 
wealth. Money deposited with us earns 
four per cent interest, and interest is 
compounded twice a year. — Mercantile 
Trust § Savings Bank, Los Angeles. 

Saving is the easiest way to get rich 
according to one of Benjamin Franklin's 
maxims. The easiest way to save is to 
deposit your surplus earnings in the 
Home Trust Co. Interest paid from day 
of deposit to day of withdrawal. — Home 
Trust Co., Newark, N. J. 

The road to wealth is the way of sav- 
ing through the aid of a strong bank 
for savings like this institution for the 
betterment of citizens' conditions. With 
the three per cent, interest we pay, com- 



FINANCIAL ADVERTISING 



29 



pounded semi-annually, your deposits day 
by day, week by week — even month by 
month — accumulate rapidly and con- 
stantly, and competence, if not wealth, 
is yours long before you're sixty, or 
too feeble to work. — Commercial Bank, 
Bay City, Mich. 

The first care. The first care of the 
depositor should be the safety of the 
bank. The first care of the bank should 
be the safety of the depositor. It is 
our care for the safety of the depositor 
that has caused our growth, and earned 
the confidence of those whose first care 
is safety. — First National Bank, Mont- 
gomery, Ala. 

The rainy day of sickness, adversity 
or hard times is pretty sure to come to 
every man at some time in life, gen- 
erally when advancing age makes it hard- 
est to meet. Ready money in our bank 
is a good provision for such occasion. 
Don't postpone starting an account un- 
til you have a large sum. Your sur- 
plus will grow faster here than in your 
pocket. Start to-day with one dollar. — 
Dennison Trust Co., Dennison, Texas. 

Steady saving — putting away a portion 
of your income as soon as you receive 
it — will soon give you a snug sum. In- 
terest on savings deposits at this bank 
compounds semi-annually. Every dollar 
you deposit here earns increase for you. 
— Union Bank of Savings, Los Angeles. 

Those who desire to place their money 
where it will be free from every ele- 
ment of chance or speculation, and where 
it will be immediately available when 
wanted, should open an account with the 
Third National Bank, Scranton, Pa. 

Don't burn the candle at both ends. 
You will surely come to want if you 
do. Better cut off your unnecessary 
expenses and deposit the amount thus 
saved on a savings account. We pay 
four per cent, interest on savings ac- 
counts and certificates of deposit. — The 
Columbits Savings fy Trust Co., Colum- 
bus, Ohio. 

One dollar will do to open a savings 
account with us. Wisdom, foresight and 
economy strongly counsel everyone to 
have a bank account. Anyone can open 
an account in our savings department 
with one dollar, and there are few who 
cannot save at least a dollar a week. 
If continued steadily this will soon grow 
to a respectable sum and may be the 
means of protection against the uncer- 
tainties of the future. — North Ward 
National Bank, Newark, N. J. 

Farmers' business. We give particu- 
lar attention to the business of farmers. 
We cordially invite them to make this 



their banking home. — The First National 
Bank, Crookston, Minn. 

When Benjamin Franklin said "It is 
the easiest thing in the world to de- 
ceive one's self,'' he spoke a great truth. 
Don't bask in the fancied security of 
present earnings. Take care of the fu- 
ture with a savings account. — Merchants' 
and Mechanics' Bank, Scranton, Pa. 

Ready money is a constant and sub- 
stantial friend. You can save something. 
Do not hesitate because the amount is 
small, but begin at once. Don't buy 
what you don't need. Save the cost of 
every unnecessary thing and you will 
be astonished in a short time to see 
how many dollars you will have. We 
invite small deposits. We are as well 
pleased to open an account of five or 
ten dollars as of a thousand dollars. 
Regular saving is the one speculation 
that always wins. — The East Side Sav- 
ings Bank, Rochester, N. Y. 

Only one sure way to have money — 
Save it. Only one sure way to save it — 
entrust it to the safe keeping of some 
responsible banking institution, so it can't 
burn holes in your pockets. This is 
such an one — it has the capital and sur- 
plus fund, those guarantees of security 
to depositors, and its affairs were never 
in so prosperous a state as now. It 
conducts banking in all its legitimate 
branches and pays interest on savings 
deposits. — The Commercial National 
Bank, Youngstown, O. 

Stop the small leaks. Why not de- 
termine to save the small sums that, 
somehow or other, are spent so heedlessly, 
but always aggregate a very considerable 
amount in the course of a year? That 
is the science of finance and great for- 
tunes have been accumulated by prac- 
ticing it. Save them and entrust them 
to us and we will pay you compound 
interest upon them. — The Commercial Na- 
tional Bank, Youngstown. 

Time is money, and now is the time 
to save money. Put your spare cash 
where it will be industrious and earn 
more for you. We are glad to receive 
deposits from the thrifty, and we al- 
low liberal interest on large or small 
sums. It is distinctly to your advan- 
tage to get acquainted with our bank- 
ing methods, and you will at once see 
the propriety of beginning a bank ac- 
count at once. Drop in and let us tell 
you about it. — Home Savings and State 
Bank, Peoria, III. 

We solicit your business, whether large 
or small, and promise you safety, prompt- 
ness and courtesy. — The National Bank 
of High Point, High Point, N. C. 



30 



FINANCIAL ADVERTISING 



Safe as a government bond and yield- 
ing a much higher rate of income is a 
deposit account in the savings depart- 
ment of the Third National Bank, Scran- 
ton, Pa. 

A good bank confines its business to 
the safe-keeping of its depositors and 
the loaning of its resources in such a 
manner that they will be perfectly safe 
and can be collected when due ; benefiting, 
at the same time, the borrower and, 
through him, benefiting the whole com- 
munity. We offer you absolute safety 
in our ample resources and in the ex- 
perience of our officers. We have no 
excessive loans, neither have we any in- 
vestments outside of our banking fix- 
tures. You will be pleased with the ser- 
vice you receive. — Capital National Bank, 
Lansing, Mich. 

To have a checking account at the 
bank is not a hobby. There is reason 
in it. It is wise and it pays. You can 
pay your bills with checks, which we 
return to you. Each check is a receipt 
in full for every dollar you pay out. 
Your check book shows just where your 
money went. This is a good system of 
bookkeeping. You can have your bank 
book balanced at any time. It should 
be balanced at least once a month. Some 
times your memory fails you — you for- 
get whether you paid a certain bill at 
the store. If you keep a checking ac- 
count and paid your bills by check, you 
could turn to your checks — they will show 
the bills you paid, the date and the 
amount. — Salem State Bank, Salem, Ore. 

Stronger than the average of the 
strongest. There are 6794 national banks 
in the United States. Of that number 
365 are designated by the National gov- 
ernment as reserve banks and upon their 
strength and solidity depends the safety 
of the whole National banking system. 
The strength of a bank is indicated by 
its capital and undivided profits, and 
it therefore is of interest to know that 
the average strength of the 365 reserve 
banks of the country is $2,007,000. The 
capital and undivided profits of this bank 
are in excess of $2,100,000, which fact 
shows that its strength is greater than 
the average of the strongest banks in the 
Unittd States. — The Hartford National 
Bank, Hartford, Conn. 

Don't spend all you earn. Make it a 
rule to deposit a portion of your weekly 
or monthly wages in a savings account 
where your money will earn interest. — 
Home Savings Bank, Washington, D. C. 

Government bonds are good things, but 
few people can afford them. A savings 
account at this bank is just as safe — 



can be started with $1.00 and pays four 
per cent, interest. — Reserve Trust Co., 
Cleveland, Ohio. 

There is a feeling of comfort in the 
knowledge that, no matter what the fu- 
ture may have in store for you, you 
and your family will be assured against 
want by your savings account. Open 
an account to-day. This bank pays four 
per cent, interest compounded semi-an- 
nually. — The Columbus Savings § Trust 
Co., Columbus, Ohio. 

Some people dislike to enter the doors 
of a bank. Why? Because they think 
their small business is too trifling for 
the banker to bother about. We invite 
such people to come in and use this 
bank. We are in business purposely to 
be bothered. Every man, woman or 
child should have a bank account of some 
size. — The Citizens' National Bank, Mans- 
field, Ohio. 

The vital question. How much can I 
earn? is an important question. How 
much can I save? is the vital question. 
The saving habit is best encouraged by 
opening an account with the banking de- 
partment of the Union Trust and Storage 
Co., Washington, D. C. 

A bank account means much to the 
level-headed young man or woman who 
is determined to make a success of life. 
We have the names of many such en- 
tered on our books and are enrolling 
more every day. If yours is not among 
the number, come in and open an ac- 
count. Do it now. — The Columbus Sav- 
ings $• Trust Co., Columbus, Ohio. 

In talking over your affairs do not for- 
get that the State Bank, with a capital 
of $400,000 and a surplus of $275,000, 
acts as executor and trustee under wills. 
Your best friend whom perhaps you 
would choose as your executor may die 
to-morrow, but the bank grows stronger 
every year and any interest entrusted 
to it will be most carefully guarded. — 
State Bank, Hartford, Conn. 

The first start in life towards wealth 
and riches consist in saving a portion 
of what you earn. The Commercial Sav- 
ings Bank not only guarantees absolute 
security for all money deposited, but 
pays three per cent, interest. You can 
open an account with a deposit of $1.00. 
— Commercial Bank, Bay City, Mich. 

Idle money — and idle men are both use- 
less. They should be at work. Money 
will work if you give it a chance. And 
you will be the richer if you place it 
at three per cent, interest in the Scranton 
Savings Bank. — Scranton Savings Bank, 
Scranton, Pa. 



FINANCIAL ADVERTISING 



31 



The hardest thing about saving money 
is getting started. Our way of doing 
business makes it so easy to begin sav- 
ing that you really have no excuse for 
delaying. A deposit of two dollars will 
open an account in our savings depart- 
ment, and five dollars and upward will 
draw interest at the rate of three per 
cent, per annum. The beginning made, 
regular deposits will soon grow to be 
a habit, and one of the best you ever 
formed. — Fidelity Trust Company, New- 
ark, N. J. 

Rent a box and have your valuables 
and papers secure against loss. Boxes 
can only be opened by yourself. Con- 
venient and private rooms for use of pat- 
rons. A general banking business trans- 
acted. United States bonds and other 
investment securities bought and sold. 
Dealers in foreign and domestic exchange. 
Furnish letters of credit for travelers, 
available in all parts of the world. Col- 
lections promptly made on favorable 
terms. Accounts solicited. Prompt at- 
tention. Liberal terms. — Bock County 
National Bank, Janesville, Wis. 

Money goes easily when you carry it 
about with you. But there is economy, 
safety and satisfaction in putting it away 
in a safe and sound savings bank. The 
large capital and conservative manage- 
ment of this bank is a guarantee that 
your deposit is always safe. — The Co~ 
lumbus Savings and Trust Co., Colum- 
bus, Ohio. 

Money at interest is a good silent part- 
ner — one that will work night and day, 
unflagging in its zeal for your welfare 
— one that the longer let alone the better 
work it will do. — North Ward National 
Bank, Newark, N. J. 

Get the habit. — Habit is the strongest 
impulse in man. Get the habit of sav- 
ing and your future welfare and pros- 
perity is assured. Maybe your habit 
now is to spend too freely. You realize 
that it is a bad thing and would like to 
overcome it. Big fortunes had small be- 
ginnings. Right here is where we de- 
sire to interest you. One single dollar 
constitutes the fund necessary to start 
an account with us. The saving habit 
will grow and so will your bank account. 

A helping hand in time of need is 
often an instant cash loan. If you need 
one, don't bother about your friends, but 
come to us. We are not brow-beaters 
nor Shylocks, and it will be to your gain 
to deal with us and experience uniformly 
honorable dealing. — Capital Loan Co., 
Trenton, N. J. 

The traveler can find no more conven- 
ient way to carry money to St. Louis, 



abroad or elsewhere, than our " Travel- 
ers' Checks.'' — The Dollar Savings and 
Trust Co., Youngstown, Ohio. 

The affairs of this company are man- 
aged in a safe and conservative manner 
by well-known business men. Every 
banking facility is provided for and every 
reasonable accommodation given. Ac- 
counts taken subject to check or on time. 
All inquiries answered and courteous 
treatment given to those who may wish 
to transact business with the company. — 
Union Deposit $ Safe Co., Rockland Me. 

Money in bank gives you a feeling of 
security — enables you to take advantage 
of opportunities for making more money 
and lifts you out of the rut — makes you 
a manly man. — Reserve Trust Co., Cleve- 
land, O. 

To deposit your money with the Co- 
lumbus Savings & Trust Company than 
to loan it out promiscuously or to invest 
it in securities, the value of which you 
know little about. You may not get 
quite as large a rate of interest, but it is 
sure, and your principal is not only safe 
beyond question, but you can also get it 
whenever you want it. — The Columbus 
Savings §• Trust Co., Columbus, Ohio. 

Idle money — and idle men are both vise- 
less. They should be at work. Money 
will work if you give it a chance. And 
you will be the richer if you place it at 
three per cent, interest in the Scranton 
Savings Bank, Scranton, Pa. 

Every worker, regardless of his sta- 
tion in life, wins out by honest applica- 
tion. There is no room for drones in the 
modern hive. It is an age of " hustle." 
You should make your money " hustle " 
for you, too. If you haven't any sur- 
plus, get some. Money at work is a 
good silent partner. Begin to save money. 
Begin with a dollar a week if you can't 
save more. — H. C. B. Gill, Fresno, Cal. 

Have a reserve fund for emergencies. 
Don't depend upon your salary alone — 
that is only a temporary means of sup- 
port and is liable to stop any time. Start 
an account in our savings department to- 
day — it will not only be a protection to 
you, but also will give you a standing in 
the business community. — North Ward 
National Bank, Newark, N. J. 

A single private paper justifies an ex- 
penditure of $2.00 a year for its safety 
— a safe deposit box at the Union Bank 
of Savings, 223 South Spring Street.— 
Los Angeles, Cal., Bank. 

The bread of charity. — Every man who 
does not save is in danger of depending 
on charity in old age. Only those who 
save are safe. — The Columbus Saving $ 
Trust Co., Columbus, Ohio. 



82 



FINANCIAL ADVERTISING 



You've heard that old, old story about 
the stone in the middle of the highroad 
that all the cartmen turned out to avoid. 
They didn't know that the Duke had 
placed under the stone a purse of gold 
" for him who moves the stone." There's 
a stone in your road. When you come 
to the bank and open an account you 
move the stone — you find gold. Begin 
the " moving '' and the " finding " to-day 
with a deposit in the Scranton Savings 
Bank. 

Laid off, laid up, laid away? Mr. 
Wage Earner: Did you ever think what 
might happen to you and your family, 
if any of the above should find you with 
no money in your purse? Wouldn't it 
be wise for you to provide against that 
day and to begin to save now? Our sav- 
ing department accommodates all who 
wish to lay aside small or large sums. — 
Moline National Bank, Moline, III. 

The first hundred dollars is just SO 
many steps gained on the road to wealth 
and competency. 

Deposit your savings in the Holston 
National Bank. Your dollars, if depos- 
ited there, will earn more dollars and be- 
fore you know it you will have a nice 
bank account. — Holston National Bank, 
Knoxville, Tenn. 

The youth with a bank account becomes 
a man with a fortune. Open an account 
at the Orange Savings Bank, Orange, 

Idle money is money wasted. Why 
keep it in unsafe places when we will 
safely care for it and pay four per cent, 
interest. — Pittsburg Bank for Savings, 
Pittsburg, Pa. 

The boy who starts a bank account and 
saves and deposits the nickels and dimes 
that other boys would spend, is a boy 
who will begin active business life quali- 
fied to succeed. He will reach manhood 
with habits and qualities of character 
essential to thrift cultivated and devel- 
oped, and will have his savings and ac- 
cumulated interest as ready capital. A 
single dollar will open an interest-bear- 
ing account at the Union Bank of Sav- 
ings, Los Angeles, Cal. 

A boy with a bank account is fairly 
started on the road to independence. De- 
posits of any amount from $1 up are 
accepted by this bank. — The Union Sav- 
ings Bank of Pittsburg, Pittsburg, Pa. 

Money flies from most people — those 
who need it most, in fact — and the best 
way to arrest its flight is to put it in 
a bank — a strong, conservative, well-man- 
aged one like this. We not only save 
your money for you, but make it make 
money for you by paying you three per 
cent, interest, compounded every six 



months. The deposits in the savings de- 
partment are, with the exception of the 
cash reserve, invested in municipal and 
other bonds and mortgages on real es- 
tates. — The Savings Bank of East Sagi- 
naw, Mich. 

It rests with you whether your old age 
shall be passed in poverty and misery or 
in independence and comfort. A savings 
account now decides the matter. — The 
Pennsylvania Trust Co., Pittsburg, Pa. 

The management of this bank is com- 
posed of men who have achieved for 
themselves marked success and who now 
act in harmony for the greater success 
of the institution. — The Colonial Trust 
Co., Pittsburg, Pa. 

In making your will, remember that 
this bank is an executor, guardian or 
trustee that you can depend upon. Its 
life is perpetual. It never takes a vaca- 
tion. Is always ready to serve you. 
Your wishes will be carried out to the 
letter in any business you entrust to the 
State Bank of Chicago, Chicago, III. 

Neal Loan and Banking Co. A desig- 
nated State's depository. Quick roads to 
wealth are few, but there is a chance for 
every one to obtain a competence. Save 
your dimes and dollars, deposit them in 
our savings department, get the benefit 
of the interest we pay, and in after years 
thank us for advising you to practice 
economy. Begin with $1.00. — Neal Loan 
and Banking Co., Atlanta, Ga. 

Your children. Are you teaching them 
the importance of acquiring the habits 
of thrift and economy? You can open 
an account for them with $1.00 or more. 
Four per cent, interest computed semi- 
annually. — The Ohio Trust Company, 
Columbus, O. 

Will money help you? If so, call on 
us. Don't waste any time on the way. 
We will lend you money on your furni- 
ture, piano, team, fixtures, or other per- 
sonal property of value without removal. 
You can get it on short notice. You 
can have from 1 to 12 months to pay 
it back. You can pay it back weekly, 
monthly, quarterly, or as you may desire. 
You will have the use of both the money 
and the property. You will receive hon- 
orable, satisfactory dealings and all busi- 
ness will be strictly confidential. You 
will get the full amount you ask for. 
If you owe a balance to any other loan 
firm or furniture store we will advance 
you the money to pay them off. You 
can also get some additional money for 
other purposes if you wish. Your pay- 
ments will be so small that you will not 
feel them. Call and learn our methods. — 
Peoria Loan Co., Peoria, III. 



FINANCIAL ADVERTISING 



33 



A homeless wanderer in his old age is 
likely to be the fate of the man who is 
improvident in his youth. Assure your- 
self of a comfortable old age by cul- 
tivating the saving habit. A savings 
account opened with this company and 
consistently followed up makes old age 
a delight and bridges over many a 
trouble. — The Home Savings fy Loan Co., 
Youngstown, O. 

Savings accounts in the Memphis Trust 
Co. have the advantage of: 1st — Safety 
afforded by our large capital. 2nd — In- 
vestment in the highest class of securi- 
ties under the direction of conservative 
management. 3rd — A return of the larg- 
est rate of interest consistent with pru- 
dent banking, namely: 3 per cent. 4th — 
The attentive handling of every account, 
large or small. Ladies receive the most 
courteous consideration. Home savings 
banks furnished. Accounts opened be- 
fore the 5th of the month receive interest 
from the first. — Memphis Trust Company, 
Memphis, Tenn. 

If you save now then sometime in 
the future you will have something to 
draw on. Perhaps when you need it 
badly. Why not start a savings account 
here now — with a dollar, or as much as 
you can spare? It will earn a fair 
rate of interest and prove an incentive 
to save more. Accepts deposits in sums 
of one dollar and upward. — Sacramento 
Sank, Sacramento, Cal. 

Poverty makes cowards of us all. 
Make up your mind to save part of your 
earnings every week — the more the better, 
but even a little is better than none. — 
Home Savings Bank, Washington, D. C. 

A suggestion. Unemployed money at 
home is at risk of theft or fire — is safe 
■when deposited in a sound bank. Small 
accounts invited. — Yale National Bank, 
New Haven. 

Open an account with the Goethe Bank 
and get a bank book. You will soon 
find a perusal of its pages more absorb- 
ing than the most thrilling work of fic- 
tion. It will become a book of great 
interest — 4 per cent, in fact. — Goethe 
Bank, Sacramento, Cal. 

Money talks this way to most people, 
bidding them a fond adieu. Why? Be- 
cause they won't save it, or don't know 
how, or don't realize the advantages of 
saving. Suppose you ask us to explain 
the profit to you of putting away a 
few dollars here, the increment of 3 per 
cent interest and the results. — Texas 
Bank and Trust Co., Galveston, Texas. 

The training of a boy in habits of 
saving, thrift and industry, will insure to 
his success in after life. Set him a 



good example by depositing part of your 
earnings in this strong and sound bank 
for savings — better still, open a small 
account is his name with us now. Three 
per cent interest compounded semi-an- 
nually will make him a nice nest egg 
when he's 21. — Texas Bank and Trust 
Co., Galveston, Texas. 

It is not what you make but what you 
Save that makes you rich. The Deposi- 
tors' Account Department gives you 
every economy of our cash system and 
our famously low prices, and an addi- 
tional 4% interest, compounded every 
three months, on unexpended balances. 
At the same time you enjoy every con- 
venience of a credit system, without be- 
ing taxed excessively to support it and 
to make up its bad debts. You can de- 
posit as much or as little as you please, 
and ycm can withdraw your money at a 
moment's notice. We urge you to give 
it a trial — make one test of the advan- 
tages that have appealed to thousands 
of others. — Binghamton Trust Co., Bing~ 
hamton, N. Y. 

Did it ever occur to you that some- 
one is drawing interest on the money 
you needlessly spend each day? It's 
time to stop. Think it over. We'll help 
by furnishing a Home Bank Free and 
paying 3 per cent. Call today. — Missouri 
Savings Bank, Kansas City, Mo. 

A good bank where you may rest 
assured every transaction will be con- 
ducted with that absolute trustworthiness 
that has always characterized our busi- 
ness for more than half a century. In 
opening your bank account with the 
State Bank you will be making no mis- 
take. — State Bank, Hartford, Conn. 

Manage your income. Don't let your 
income manage you. If you didn't have 
the money you wouldn't spend it. Then 
why spend it simply because you have it? 
Open an account with the Security Sav- 
ings Bank and save enough money to be 
your own master. — Security Savings 
Bank, Newark, N. J. 

Is your Will made? Are you willing 
to allow your estate to be distributed 
in the manner it will be if you make 
no Will? Or, are you waiting to make 
a Will, and incurring the risk of being 
taken away suddenly, with the possibility 
of thereby defeating your intentions? 
Even if you have made a Will, are you 
sure that no conditions have since 
arisen that would make such Will de- 
fective or void? Why not give this mat- 
ter the prompt and careful attention it 
deserves and consult some one of ex- 
perience in such matters before it is 
too late? Fidelity Trust Company, the 



34 



FINANCIAL ADVERTISING 



largest Trust Company in the State, and 
because of its long and varied exper- 
ience in such matters, is frequently con- 
sulted by those who desire it to draw 
Wills and act thereunder as Executor, 
Trustee or Guardian. It will be to the 
interest of your estate to learn what are 
the advantages in having a Trust Com- 
pany instead of an individual administer 
your estate. Full particulars can be 
obtained without charge by those who 
seek such information, upon application 
to Fidelity Trust Company, Newark. 

Eh! Haven't seen it for years. Want 
to sell your property, so a new one is 
necessary. Result: It costs you more 
for the new abstract than would pay for 
a safe-deposit box for several years. 
And think of the security gained for 
other papers, valuable jewels, etc., if 
you had a box in the safe-deposit vaults 
of the — Fourth National Bank, Mont- 
gomery, Ala. 

You can save something and the 
amount you save is not so important as 
to save systematically and persistently. 
Open an account here with one dollar 
and take home with you one of the little 
banks which are furnished to deposi- 
tors free of charge. Drop into this 
little bank, every day or every week, 
whatever you can spare from your in- 
come. The habit will soon be formed and 
your fund will grow steadily — earning 
compound interest all the time. Don't 
say this plan won't work with you — 
try it first. It has worked, and is work- 
ing with lots of people who could never 
save any other way. Call, 'phone or 
write. — Kentucky Title Savings Bank, 
Louisville, Ky. 

It is worth something to a depositor 
to know that his money is being placed 
in as strong a bank as it is possible 
to find. The affairs of this bank are gov- 
erned with conservatism combined with 
enterprise and up-to-date methods which 
make for soundness and satisfactory 
banking service. — The Fidelity Trust Co., 
Buffalo, N. 7. 

This company solicits the accounts of 
banks, firms and individuals of such busi- 
ness men, trust estates, religious and 
benevolent organizations, and all who de- 
sire to transact their banking business 
with a sound conservative institution. — 
Los Angeles Trust Co., Los Angeles. 

The hardest part of anything is the 
start. It's easy when you get going. 
Just make up your mind to begin saving 
money to-day and you'll find it so easy 
to keep it up that you'll wonder why 
you never did it before. Put the money 
with us and get an addition to your 



income from it. — Eagle Savings $■ Loan 
Co., Brooklyn, N. Y. 

A bank account is like a snowball — 
roll it gently along without your notic- 
ing it. — Schenectady, N. Y. 

Gone but not forgotten. The money 
you might have saved, but didn't. Open 
a bank account, save your money and 
become independent. Our Savings De- 
partment offers you every inducement to 
save while you are young. You will 
never be younger, but always growing 
older. — Citizens' National Bank, Mans- 
field, O. 

Save while the sun shines, then when 
the " rainy day " comes you'll find your 
bank book your best umbrella in pro- 
tecting you from adversity's storms. 
Open a bank account now with the Mer- 
cer Trust Co.; you'll be delighted to 
see how rapidly your money accumu- 
lates in this way. We pay 3 per cent, 
interest on time deposits. — The Mercer 
Trust Company, Trenton, N. J. 

Deposit your savings in our special 
account and receive 4 per cent, interest. 
Deposits may be withdrawn at any 
time. Interest paid on check accounts. — 
Pavonia Trust Co., Jersey City, N. J. 

This company has perfect facilities 
for the transaction of all banking busi- 
ness; and offers distinct advantages to 
all classes of depositors. Our banking 
department solicits the accounts of 
banks, firms and individuals, business 
men, trust estates — and all who desire 
to transact their banking business with 
a sound, conservative institution. — Los 
Angeles Trust Co., Los Angeles, Cal. 

Your money on term deposit here will 
earn for you the highest rate of inter- 
est consistent with prudent banking, 
namely, 4 per cent. Every account is 
handled with the utmost care and atten- 
tion. Ladies and children are assured 
of courteous consideration. — Goethe 
Bank, Sacramento, Cal. 

Savings deposits at this bank are ex- 
empt from taxation. This point, to- 
gether with the fact that interest on 
such deposits compounds each six months, 
makes a saving account with this in- 
stitution a pi-cfitable and very desirable 
investment. — Union Bank of Savings, Los 
Angeles, Cal. 

Some people's savings are burned up, 
and some forget the hiding place, and 
thus they never do their owner any good. 
Such people are to be commended for 
having formed the habit of saving, but 
too much condemnation cannot be given 
the mind that didn't have foresight 
enough to use the bank. — Citizen's Nat- 
ional Bank. 



FINANCIAL ADVERTISING 



35 



At one side you have the bank — that's 
"where you save; at the other the pawn 
shop — that's where you don't. Of course 
we speak for our own interest, but 
vastly more for yours, when we advise 
you to deposit your savings with us, 
■where you get 3 per cent, interest a 
year instead of having to pay consider- 
able more. Think it over. — Commercial 
Bank, Bay City, Midi. 

To the business man seeking a bank 
connection the Dollar Savings and Trust 
Co., with a capital of one million dollars, 
offers the advantages of its large re- 
sources, the best of service and every 
facility for the proper handling of his 
affairs. — The Dollar Savings and Trust 
Co., Youngstown, O. 

The improvidence of a large number 
of people is not due so much to a desire 
to spend every cent they earn, as to 
their failure to understand the value 
of small economies. If a start, no mat- 
ter how small, would only be made of 
laying aside a small portion of the 
income, each week or month, the lesson 
of economy would soon be learned. Start 
an account with us to-day, no matter 
what may be the amount. This strong 
company will gladly help you to ac- 
cumulate more. — The Fidelity Trust Co., 
Rochester, N. Y. 

Having the right kind of a bank back 
of you is an important factor in your 
business. You can't be too careful in 
making a selection. This bank wants 
your account and makes every effort to 
safeguard the business interest of de- 
positors. Borrowers are accorded every 
accommodation consistent with safety. — 
The Union National Bank, Johnstown. 

Making a record for business sagacity 
is well begun with a bank account. Its 
possession shows you to be a man of 
method, caution and thrift. The houses 
with whom you deal have more respect 
for you if you pay by check instead 
of currency. At this Bank you may learn 
of many advantages accruing to de- 
positors. You will also learn how easy 
it is to open an account here. — The 
U. 8. National Bank, Johnstown, Pa. 

Interest on interest soon reaches a 
snug sum. Spend to spare, spare to 
speed, bring your dollars where they 
breed. — Merchants' National Bank, 
Allentown. 

The rainy day doesn't worry the man 
with a substantial bank account. Even 
in the case of a flood he can ride in 
safety in the savings account ark. A 
small amount set apart each week will 
not inconvenience you — start to-day. — The 
People's Bank, Scranton, Pa. 



What is your ambition? We believe 
it is your ambition to make money. 
But how about your ambition to save 
some of it? No matter how little it 
may be — make a start — begin to live on 
less than you earn — start to put by 
the capital which will some day mean 
independence to you. You make a wise 
move toward independence by opening an 
account with this strong institution, 
where your money is safe and will grow 
rapidly at compound interest. — The Mer- 
cer Trust Company, Trenton, N. J. 

Our hobby is safe banking. This bank 
calls attention to the publicity in the 
conduct of its savings bank business, a 
list of its resources being examined by 
a disinterested committee, a copy of 
which we are always glad to furnish. 
A high standard of conservatism is 
maintained, and our methods are mod- 
ern and satisfactory to our patrons. We 
most thoroughly appreciate the confidence 
of the banking community, and we re- 
spectfully call attention to our liberal 
profit sharing plan of paying interest 
in many ways, our rates being on check- 
ing accounts, two per cent.; on saving 
accounts, four per cent. — Spokane $• 
Eastern Trust Co., Spokane, Wash. 

To save is to succeed; open an account 
with the Union Bank of Savings. In- 
terest paid on deposits. — Union Bank of 
Savings, Los Angeles, Cal. 

A wise man doesn't live as though 
his income couldn't stop — he makes pro- 
vision for sickness, lack of work, acci- 
dent and old age, by having a savings 
account with this company, where every 
dollar he deposits earns 4 per cent, 
interest. — Pennsylvania Trust Co., Pitts- 
burg, Pa. 

Riches. — Others have grown rich, why 
not you. 

Others have worked for just as little 
and even smaller wages than you receive 
and have been able to deposit a snug 
sum in the bank, where it earned in- 
terest for them night and day and year 
'round — why not you? Others — young 
and old, men and women, right here in 
Richmond — are regularly bettering finan- 
cial conditions — are making the cash that 
they might fritter away earn them 3 per 
cent, per year, by being regular weekly 
depositors in the Savings Department 
of our bank — why not you? — Planters' 
National Bank, Richmond, Va. 

Once a week, or once a month, lay 
aside a portion of your income. Deposit 
this in our Savings Department. But 
don't neglect to save. This money will 
come handy to you some day — indeed it 
will. — West Side Trust Co., Neioark, N. J. 



36 



FINANCIAL ADVERTISING 



There is no dishonor in true economy. 
Do not hesitate to lay aside a reasonable 
portion of your income. If you so de- 
sire we will help you to save it. — North 
Ward National Bank, Newark, N. J. 

We ask for new accounts because we 
are capable of rendering the best bank- 
ing service, and because we offer that 
high measure of security that appeals 
to the prudent and conservative people 
of this community. We invite your con- 
sideration as a desirable institution in 
which to have an account. — First Nat- 
ional Bank, Binghamton, N. Y. 

What is your ambition? We believe 
it's your ambition to make money, but 
what about your ambition to save some 
of it? No matter how little it may be, 
make a start. Begin now to live on less 
than you make, begin to put by the capi- 
tal which will one day mean indepen- 
dence to you. You make a wise move if 
you open an account with this strong 
institution, where your money is safe, 
and grows rapidly. Three per cent, in- 
terest paid on time deposits. — The Mer- 
cer Trust Company, Trenton, N. J. 

The average householder finds a bank 
account in a trust company of immense 
convenience and saving. Her bank book 
and paid checks show at once her de- 
posits and payments, and the checks 
are themselves proofs of payments. — The 
Investment Company, Philadelphia, Pa. 

The State Bank offers to its deposi- 
tors every facility which their business, 
balances and responsibility warrant, and 
respectfully solicits acceptable accounts 
of banks, mercantile firms and individ- 
uals. The steady and substantial growth 
of our savings department commends it 
to those who wish to save money. In- 
terest at 4 per cent, per annum, pay- 
able quarterly. You can begin with one 
dollar. — The State Bank, Columbia, S. C. 

Fifty years of experience in banking 
is at your service if your account is 
in this bank. We offer careful, con- 
scientious service to all depositors — large 
and small. Your account is invited. — ■ 
American National Bank, Hartford. 

Your banking business carefully and 
promptly transacted. Large resources, 
a strong Board of Directors and capable 
management are but a few of the many 
features that commend this bank to one 
considering the opening of a bank ac- 
count. — First National Bank, Bingham- 
ton, N. Y. 

" Take care of your pence and the 
pounds will take care of themselves," 
said Ben Franklin, a long time ago. It 
is still true, as many of our friends and 
savings depositors are learning every 



day. We have paid since organization 
4 per cent, interest on term deposits. — 
Goethe Bank, Sacramento, Cal. 

All you have to do with a saving 
account is to start and keep it going — 
then watch and help it grow — doesn't 
take long for it to come up to a con- 
siderable amount — then you'll see the 
advantage, the wisdom of saving. One 
dollar is sufficient to start — pays divi- 
dends on all deposits. — Sacramento Bank, 
Sacramento, Cal. 

Bank accounts and other personal pro- 
perty of foreign corporations doing busi- 
ness in New York, and of individuals 
residing outside of New York are taxable 
when kept within that State. No such 
law exists in New Jersey. It is there- 
fore evident that it is of great advantage 
both to individuals and corporations to 
have safe deposit accommodations and 
bank accounts in New Jersey. — Mer- 
chants' National Bank, Newark, N. J. 

People having no bank accounts are 
invited to make use of this company for 
that purpose. It indicates a certain 
financial responsibility to speak of " My 
Bank," and we shall be glad to have you 
so regard this company. Under safe, 
efficient and conservative management. — 
Home Trust Company, New York. 

Every one should have a checking 
account. It is convenient as well as 
practical to pay bills by check, thus 
avoiding the risk of carrying money, or 
leaving it at home, where it might be 
stolen. We solicit your account, be it 
large or small, and guarantee prompt, 
efficient and courteous treatment to all. — 
People's Trust and Savings Bank, Gales- 
burg, III. 

The secret of success is hard work 
and clear thinking. The industrious per- 
son earns more than his necessary ex- 
penses, and the thinking person saves 
this surplus and deposits it in a good 
strong bank like ours. Do not postpone 
opening an account with us because your 
income is small. A single dollar is 
enough to start with — then the way will 
be easier. We pay three per cent, in- 
terest, compounded semi-annually. Your 
name would look well on one of our 
passbooks. — Home Savings Bank, Wash- 
ington, D. C. 

Draw a check. A check account is 
a great convenience, one that saves both 
time and money. It is convenient when 
you have out-of-town payments to make, 
as the check is safe in the ordinary 
letter; and then a cancelled check is 
the best receipt. We shall be glad to 
open an account with you. — The New 
Haven Trust Company, New Haven. 



FINANCIAL ADVERTISING 



37 



So says the old adage — " Prosperity 
makes friends and adversity tries them. 
And it's true, too. A bank account, 
made and added to in days of pros- 
perity, will prove a most reliable friend 
in time of adversity. You ought to have 
the protection of a bank account. Maybe 
you need it now — to-day. But no man 
knows what the future may bring forth, 
and it's the part of wisdom to prepare 
for possible misfortune. Bring down 
your money to-day. — The Fourth Nat- 
ional Bank, Montgomery, Ala. 

Your funds will be cared for here in 
a way which admits of no criticism. We 
have a line of patrons who have found 
this bank in every way satisfactory 
and some of them have been with us over 
fifty years. We regard our clients' in- 
terests as identical with our own, real- 
izing that a satisfied customer is the 
■ best advertisement a bank can have. — 
State Bank, Hartford, Conn. 

George W. Childs said: "A young 
man should not yield to any temptation 
to relax his effort in attending to his 
business in order to amuse himself." 
Mr. Childs always took pride in doing 
his work well and saving his money — ■ 
his determined efforts brought success, 
fortune and respect. You, too, can be 
successful by saving your money and 
opening an account with the Mercer 
Trust Company, where your funds are 
absolutely safe and will yield you a good 
return. — The Mercer Trust Co., Trenton. 

It will surprise your wife, as well as 
yourself to find how rapidly your ac- 
count will grow when you have once 
started it, and add to it constantly. 
Open a saving account with us at once. — 
The Columbus Savings $; Trust Co., Col- 
umbus, O. 

Your best friend cannot always be 
with you. Also friendships fail, but 
a bank account is a friend always — 
doubly so in times of adversity. Start 
the account now. Add a little every 
pay day. It doesn't take long for it to 
grow. One dollar opens a savings ac- 
count and secures a bank for use in 
the home. — Denison Trust Co., Denison. 

A man's wife has much to do with his 
success or failure. If she be thrifty, 
his fortune is half made. If she be ex- 
travagant, success will come slowly if at 
all. Thousands of thrifty wives carry 
savings accounts with this Bank where 
their money earns 4 per cent, and can 
be withdrawn when wanted. The savings 
accounts and checking accounts of 
women are always welcome here. — The 
Columbus Savings $• Trust Company, Col- 
umbus, O. 



Sound advice to young men. Two 
good rules, which, if followed, will bring 
fortune: First — Buying nothing until 
you can pay for it. Second — Saving a 
part of your weekly earnings — even if 
it be no more than a quarter dollar — 
and put your savings monthly in this 
bank. We pay interest on savings ac- 
counts, and would be pleased to have 
you open one with us. — Merchants' Nat- 
ional Bank, Allentown, Pa. 

At the seashore one can enter so much 
more heartily into the enjoyments if no 
anxiety is felt regarding valuables left 
home. The absolute cure for this wear- 
ing nervous feeling is to rent a box at 
the Safe Deposit Vaults of the Califor- 
nia State Bank. — Sacramento, Cal. 

Getting rich. — The quickest way to 
get ahead in the world is to save a part 
of your earnings regularly. Miss big 
profits and miss big losses. Accept 
fair, but sure, returns. — People's Sav- 
ings Bank, Pittsburg, Pa. 

Your valuables are never safe outside 
a safe deposit box. Thieves and fire 
are not the only danger — there's always 
a probability of your losing or misplac- 
ing jewels, important papers, etc. A 
safe deposit box at the Union Bank of 
Savings affords you a definite place of 
absolute safety for all small articles of 
value. — Los Angeles, Cal. 

Advantages of National bank protect- 
ion. A National bank receives its char- 
ter from the United States Government; 
is directly under Federal supervision, 
thoroughly examined by Government 
officials at least twice a year and re- 
quired by law to make public reports 
of its condition under oath of its officers 
and directors. Make the First National 
Bank of Binghamton the depository for 
your funds and secure this Government 
protection. — First National Bank, Bing- 
hamton, N. Y. 

The dollar that is spent is a lost 
friend — gone forever. The dollar that 
is saved is a working partner — never 
sleeps — always adding to your store. A 
dollar deposited in this bank opens an 
account and earns dividends. Better de- 
posit that spare dollar now. — Sacramento 
Bank, Sacramento, Cal. 

Temptations easily overcome the man 
who carries his wealth in his pocket. 
Usually at the end of a year a man is 
no better off than at the start. The 
thrifty and careful man deposits his 
surplus with "The Old Home," where 
it earns 4 per cent, compounded in- 
terest and yet is subject to withdrawal 
at any time. — The Home Building Asso- 
ciation Co., Newark, N. J. 



38 



FINANCIAL ADVERTISING 



When to save. Whenever earning be- 
gins, savings should begin. We have 
started a lot of people in the right 
direction. Some had never before saved 
anything — because they had given the 
matter no serious thought. Our savings 
department is an ideal place in which to 
start an account that may lay the foun- 
dation of your fortune. Deposits of one 
dollar or more will be received and we 
will pay you four per cent, interest com- 
pounded twice a year. Start to save 
now. — Denison Bank $• Trust Co., Deni- 
son, Texas. 

You can't do it! You might as well 
try to carry water in a sieve as to try 
to find a more liberal plan of loaning 
money on personal belongings than we 
provide. Absolute privacy, prompt re- 
sponse to requests and liberal terms. 
Loans made on furniture, fixtures, pianos, 
horses, wagons, cattle and other personal 
property. Remember — We give you the 
full amount of the loan applied for in 
cash. No charges of any kind taken 
out in advance. — Fidelity Loan Co., 
Peoria, III. 

Provide for future needs. A man with 
a family to support cannot afford to 
allow future needs to be wholly unpro- 
vided for. Live in the present as though 
you were a little poorer than you really 
are, and in the future when misfortune 
comes, you will be richer than you seem. 
A small sum deposited with this company 
to which additions are made from time 
to time will grow into a significant fund, 
bearing interest at the rate of 4 per 
cent, per annum. Capital $200,000.00. — 
The Terre Haute Trust Co., Terre Haute. 

Our plan. For the convenience of 
investors and others who are desirous of 
receiving the income on their money 
more frequently than twice a year, this 
company has adopted a plan of issuing 
coupon certificates of deposit bearing a 
liberal rate of interest and with coupons 
attached payable four times a year. — 
Sanr/amon Loan and Trust Co., Spring- 
field, III, 

A talk with business men. This bank 
pays interest on deposits subject tto 
check — a feature which is in force in 
the largest banks throughout the United 
States. It gives the business man the 
opportunity to place his money where 
it will earn a fair rate of interest and 
at the same time be ready to meet in- 
stant demand. The People's Bank & 
Trust Company is governed by the same 
rigid laws of the State of Connecticut 
as are all State Banks and Trust Com- 
panies. The same guaranteed protec- 
tion is given you here. Interest bear- 



ing check accounts is not a new idea. 
It has been in force for years and 
proven profitable in Hartford, Bridge- 
port and Waterbury, as well as all other 
cities in New York and New England. 
Is there any good reason why a check- 
ing balance should not earn interest 
when interest is paid on other forms 
of deposit? This feature is worthy of 
careful consideration. Why not talk it 
over with us? — The People's Bank fy 
Trust Company, New Haven, Conn. 

The Ridgely National Bank has oper- 
ated under the National Bank Act for 
more than forty years, making five state- 
ments of conditions each year, and under- 
going semi-annual examinations by Fed- 
eral examiners. To-day its business is 
larger than ever in its history. It in- 
vites you to establish banking relations 
with it on the basis of its record. 
Courteous treatment, progressive methods 
and a careful consideration of your re- 
quirements are assured you. — The 
Bid gel y National Bank, Springfield, III. 

Satisfactory banking. Almost the 
only compliment, certainly the highest, 
which the man of business will pay to 
any service rendered him is that it is 
" satisfactory." That means everything. 
This bank renders to all its clients, 
great and small, a service which is faith- 
ful, efficient, obliging, correct and re- 
liable. For this reason it is pronounced 
by the best judges to be " satisfactory." — 
The Northern Bank, Winnipeg, Can. 

The ordinary savings bank that makes 
loans on lands and bonds is perfectly 
safe, but the interest is small to the 
depositors. If you can make twice that 
interest in a co-operative bank, that 
loans all your money on lands and 
buildings, and distributes all the profits 
to you, is it not common sense to place 
your savings in a co-operative bank? 
Think this over without the aid of your 
banker, and you will get more interest 
on your money, with the same security. — 
The Continental Building 8f Loan Asso- 
ciation, Los Angeles, California. 

Safeguard your estate. Many persons 
devote the best years of their lives to 
the accumulation of a competence for 
themselves and families. It also be- 
hooves individuals to consider the quest- 
ion of having this accumulation safe- 
guarded after they have passed away, 
that they, their families or relatives may 
secure the full benefits of the estate. 
Remember that the New Haven Trust 
Company will faithfully and econom- 
ically perform the duties of the exe- 
cutor. You are invited to consult with 
us about this matter. — The New Haven, 
Trust Company, New Haven, Conn. 



FINANCIAL ADVERTISING 



39 



Women interested in banking. Women 
are becoming more and more interested 
in banking. The prudent housekeeper 
realizes that paying her bills by check 
is the safest and most convenient way 
of settlement. The accounts of women 
are especially invited by the South Texas 
National Bank, where they will find 
every safeguard, courtesy and facility of 
modern banking. — South Texas National 
Bank, Houston, Tex'. 

A strong foundation. Money in the 
tank is a strong foundation for plans 
"to build on. Not all of us can be rich, 
tut all of us can better our conditions. 
Saving — steady and persistent — will ac- 
complish wonders. Open an account with 
us to-day with whatever amount you 
can spare, then add to it as opportunity 
permits. The interest we pay will help 
swell the sum, and presently you will 
have a foundation for starting some sub- 
stantial business or a competence for 
old age. — Planters fy Mechanics National 
Bank, Houston, Tex. 

Just think of the comfort, the sat- 
isfaction you would have if only you 
a little sum set away for a rainy day — 
often you must borrow only to pay 
back. You can save, don't wait until 
you must regret you didn't. See us to- 
day in regard to an account. One dol- 
lar will start you and we pay you three 
per cent, interest, too. Deposits re- 
ceived up to the 5th of the month draw 
interest from the first. — Merchants $■ 
Manufacturers Bank, Milwaukee, Wis. 

The little things that count are pennies. 
The nickles and the dimes that most 
people don't count in their expenditures 
are the ones that waste your dollars. 
Place your dollars with the Citizen's 
Bank for safekeeping and the accumu- 
lation of interest. Our financial stand- 
ing is of the highest, and we offer excep- 
tional advantages. — The Citizen's Nat- 
ional Bank, Houghton, Mich. 

Growing old? Probably it has never 
occured to you, but don't you think that 
you really should be saving some money? 
You are always liable to get sick or 
hurt, and anyway, if you live, you posi- 
tively will grow old. What will you do 
then if you have no money? A savings 
account with this strong bank makes 
the " growing old " scare vanish. One 
dollar starts the account. We pay four 
per cent, on time deposits. — Rockland 
Trust Company, Rockland, Maine. 

Banking points to consider. In all 
commercial centers, in fact, wherever 
business is transacted, the services of a 
good bank are of great value to the 
people. In making the Commercial Nat- 



ional Bank your depository, you secure 
safety for your funds as well as 
prompt, courteous and liberal treatment. 
— Commercial National Bank, Salt Lak& 
City, Utah. 

The treasure of the home is a bank 
book given to the depositors of the 
Union Savings Bank. It is the depend- 
ence that the family has to look to when 
the rainy day comes or when the day 
comes that you want to buy a home for 
your little family. Save in time and 
you can be independent in your old age. 
Deposits received from $1.00 up; 3 per 
cent, interest, payable quarterly up to 
$1,000; 4 per cent, on $1,000 and over. — 
Union Savings Bank, Mobile, Ala. 

No risk; no worry; no care. We offer 
a limited amount of our fully paid 
stock for sale at $100 per share. We 
guarantee semi-annual dividends on this 
stock at the rate of 6 per cent, per an- 
num. Your investment will be secured 
by first mortgages on real estate. Your 
income will not depend upon the sale 
of the real estate or upon the success- 
ful promotion or extension of some busi- 
ness enterprise; financial panics cannot 
depreciate or dissipate the security. — The 
" Savings $ Loan," Fargo, N. D. 

This little bank makes saving easy. 
The ingenious little savings banks we 
loan to depositors are wonderful little 
Saving helpers. They record the amount 
you put in, and convert your spare nick- 
els and dimes into dollars almost before 
you notice it. You should open an ac- 
count in our savings department and 
get one. A dollar will do to begin with. 
— Central Bank $ Trust Corporation, At- 
lanta, Ga. 

We employ only such methods in busi- 
ness as make banking institutions of 
positive value. The management of this 
institution believes that above everything 
else, stability and faithfulness are de- 
manded on the part of a well-managed 
bank, and upon this basis we invite 
your patronage. Four per cent, paid 
on time deposits. — Commercial National 
Bank, Pendleton, Ore. 

Make a note of this. Don't lose sight 
of the advantages of our steel home 
safes, for they can help you add many 
a dollar to your bank account, and the 
process will not be at all painful. Keep 
one in a convenient place and drop in 
a coin whenever possible. The contents 
will grow rapidly, and when we add 4 
per cent, interest at interest periods the 
result will most assuredly astonish you. 
These home banks or safes are free. 
Ask for one, your first deposit. — The 
Houston National Bank, Houston, Texas. 



40 



FINANCIAL ADVERTISING 



The best way to start the savings 
habit is by opening an account with us 
for the child. A child will become as 
interested in watching this account grow 
as it would be with a toy. This interest 
will harden into habit and the habit into 
character. Open the account to-day, 
no matter what the amount. — Citizens 
Savings Bank, Ottumwa, la. 

Ladies' checking and savings accounts 
are invited at this bank. We have ap- 
pointed a special room for our lady 
patrons where every convenience is pro- 
vided. Every courtesy is extended in 
providing an efficient, polite and quick 
service. A" bank account induces the 
saving habit and helps to promote in- 
dependence, which means that you will 
have money to meet every emergency 
and for future needs. Then, too, a 
canceled check is better than a receipt. 
The best way to pay bills is by check. — 
The Peoples' Bank $ Trust Co., New 
Haven, Conn. 

Worth doing well. The old saying, 
"What's worth dcing at all is worth do- 
ing well," is exemplified in the lives of 
'many of our truly successful men. If 
you have not been saving money in the 
past, make the start to-day — open an 
account with the Schenectady Savings 
Bank, make regular additions to your 
fund, and you will experience that it is 
well worth your effort and economy. — 
Schenectady Savings Bank, Schenectady. 

Finding money is not to be depended 
upon. If you spend all your earn, what 
are you going to do when sickness, acci- 
dent or lack of employment causes ex- 
tra expenses or stops the income? You 
can't pick up money to meet such emerg- 
encies. Put part of your earnings in a 
savings account, where it will be wait- 
ing for you and drawing 4 per cent, 
interest, in the Wapello County Savings 
Bank, Ottumwa, la. 

Many ways. There are many ways in 
which a bank like ours can be of service 
to its friends aside from the strict lines 
of banking. We are frequently able to 
give counsel in matters of investment, 
and can sometimes save money to cus- 
tomers who take us into their confidence. 
Whether you bank with us or not, we 
invite you to come in and pass the time 
of day when in our neighborhood. — The 
Will County National Bank, Joliet, III. 

Don't lock it up. Don't lock your 
surplus funds in your bureau drawer or 
other unsafe place. You're liable to 
loss. You might better leave the money 
with this bank. Have it earning some- 
thing. It will be as much at your call 
as if you had it at home, and it will 



earn interest from the time it is here. 
One Dollar will start an account — pays 
dividends on all deposits. — Sacramento 
Bank, Sacramento, Cal. 

One sure way. Some men inherit 
fortunes, some get rich by plunging into 
a go-lucky business scheme, but the ma- 
jority get up in the world by the old 
reliable method, viz: Industry, saving, 
push. These three methods properly 
applied to your business and financial 
interest will land you safely on the top 
round of the ladder of success. Open an 
account in our savings department, it 
will earn you three per cent, and put 
you in touch with forceful business 
methods. Keep your valuables in safety 
vault box department, and your money 
in our bank. We afford you $1,200,000 
protection. — Lexington Banking $• Trust 
Co., Lexington, Ky. 

It costs you nothing to learn Our meth- 
ods — get our terms — and full informa- 
tion how we do business. If unable to 
call, a card or telephone message will 
bring our confidential agent to you. You 
can get the immediate use of a tem- 
porary loan on your furniture, piano, 
horses, wagons, etc., at the lowest pos- 
sible cost and on a liberal installment 
basis which enables you to repay same 
as you are able. Our advanced meth- 
ods eliminate all publicity, humiliating 
inquiries, and the usual red tape pro- 
ceedings. You can get the loan upon a 
few hours' notice, receiving the full 
amount in cash and without being sub- 
jected to unexpected charges or asked 
to pay for something you never got. — 
Fidelity Loan Co., Springfield, III. 

Promptness and efficiency are very im- 
portant factors. We appreciate the im- 
portance of promptness and efficiency in 
the transaction of banking business, and 
to meet the requirements of business 
men, firms and individuals, we have in- 
stalled every modern facility and con- 
venience. Your account is respectfully 
solicited. — First National Bank, Bing- 
hamton, N. Y. 

Spending too much money. A cer- 
tain man opened a checking account 
with us not long ago. He deposited in 
the bank what cash he had, and paid all 
bills by check. Before long he discov- 
ered that he was not earning enough and 
spending too much. His checking ac- 
count gave him a complete record of 
all receipts and expenditures. To-day 
this man is saving regularly because he 
opened a checking account with us. You 
can have the same experience at no ex- 
pense. We invite your account. — The 
Citizens' National Bank, Mansfield, O. 



ILLUSTRATED MODEL BANK 
ADVERTISEMENTS 



[In the following Illustrated Bank Advertisements, no attempt is made 
to show manner of display, neither is any claim made that they 
are the best that can be produced. They are designed to assist 
in the preparation of attractive copy. These pages are taken 
from the Advertisers Cyclopedia of Selling Phrases, published at 
$15.00.] 




No. 339 

" Time and tide wait for no 
man." NOW is here; to-mor- 
row — it is gone. When you know 
you ought, NOW — is the time to 
begin. 



THE 



BANK 



will carefully guard your money 
— pay you — per cent, interest, 
which constantly increases your 
principal. Time is short — come 
in with the Tide. 




No. 318 

The illustration shown here is 
a lecture well known to all. The 
most practical way to save is to 
open a bank account in 



THE 



NATIONAL BANK 



where you get an interest of — 
per cent, on your investment. 

Business men who realize the 
advantage of a check book will 
open an account with us. 



42 



FINANCIAL ADVERTISING 




No. 36 



A PUZZLING QUESTION 

How can a man on a small sal- 
ary get married and furnish a 
home without a bank account? 
The answer is easy. He can't. 
He can get married if he can find 
a thoughtless woman, who will 
not take the trouble to investi- 
gate his finances or his saving or 
spending habits. But he can't 
furnish a home without starting 
the new life carrying a heavy 
debt. That wouldn't be fair to 
the one who has trusted him. We 
want to meet the man who wants 
to make a start at saving money. 



This shows wording and illustrations, 
but does not suggest manner of display. 



There is no great secret of suc- 
cess. Just two words — thrift 
and economy. In other words, be 
systematic in your savings. It 
is the only way you can obtain 
what you are striving after. The 
experience of thousands of thrifty 
and prosperous persons proves 
this. A bank account in the 

BANK 



is the first step in the system. 
Here you not only have your 
money secure, but it works for 
you while you add to it. 




No. 425 

Uncle Sam will charge you no 
more for bringing your money 
500 miles to us for deposit, than 
5 miles. So you can " BANK 
WITH US BY MAIL " no mat- 
ter where you live. 

We are in a position to give 
you every accommodation known 
to Banking. Any man or woman 
who will write or call on us and 
confer with our officials will be 
convinced of the superiority of 
our service. You will find it more 
beneficial to open an account with 
us than elsewhere, for no bank is 
better equipped to satisfactorily 
serve its depositors than 



THE 



BANK 



This shows wording and illustrations, 
but does not suggest manner of display. 



THE SUCCESSFUL 
BUSINESS MAN 

knows the value of a bank which 
is not only safe and secure, but 
also accommodating. The 

BANK 

by its careful business methods, 
and its readiness to accommodate 
clients, has practically become 
the bank of the business man. 



FINANCIAL ADVERTISING 



43 




No. 312 

NOTHING WILL MAKE THE 
HOME SO HAPPY 

as the knowledge that you have 
laid aside something for the fu- 
ture. A Bank Account in the 

NATIONAL BANK 

will not only assure your future, 
but its growth by accumulation 
of — interest will become a safe 
and secure investment. 



This shows wording and illustrations, 
but does not suggest manner of display. 



IT WILL SURPRISE YOUR 
WIFE 

as well as yourself to find how 
rapidly your account will grow 
when you have once started it, 
and add to it constantly. Sav- 
ing money is a sure way to bring 
home happiness too. No worries 
when the time of special trial 
comes — always a little ahead for 
emergencies. Open a savings ac- 
count with us at once. 




EVERY 

WOMAN 

SHOULD OWN 

A 



BANK 

ACCOUNT 



No. 122 

A HOLIDAY SUGGESTION 

What better, grander holiday 
present for your wife than a 
Bank Account in her own name? 
Come into the 

BANK 



with what money you wish to give 
her, open an account in her name 
and on Christmas Day, present 
her with the Bank Book. 

A Bank Book in the Children's 
Stockings would make the most 
sensible Christmas Gifts. 



This shows wording and illustrations, 
but does not suggest manner of display. 



EVERY WOMAN SHOULD 
OWN A BANK ACCOUNT 

It saves worry, time and 
money. 

It keeps a record of everything 
purchased without the trouble of 
bookkeeping. A check is a re- 
ceipt without the trouble of ask- 
ing for one. It gives a person 
standing and makes of the banker 
a useful, obliging, business friend. 



44 



FINANCIAL ADVERTISING 




No. 216 

YOUR MONEY 

should be where you know it is 
safe, yet always within your 
reach. 

BANK 

is absolutely safe and merits 

your confidence. With its 

capital and surplus making 

its 

ACTUAL RESOURCES 



your savings are absolutely se- 
cure if deposited here. Further 
particulars, information and 
financial advice cheerfully given. 

This shows wording and illustrations, 
but does not suggest manner of display. 

LOOK OUT FOR THE BOY 

You want your boy to grow 
up to be a manly man. Every 
parent looks forward to the 
boy's success. Then why not 
start him towards the goal at 
once? Make him feel his im- 
portance in the world by start- 
ing a bank account for him. 

THE BANK 

will accept his deposits even if 
only a dollar, and will allow an 
interest of — on the principal. 
If you are interested in your 
boy's success, act on this sugges- 
tion. 




No. 257 



THE FIRST STEPS 

to a successful career, no matter 
what your ambition may be, are 
a Bank Account — the foundation 
of many a man's success. Open 
an account in the 

■ BANK 

and see how quickly it will grow. 
With an INTEREST OF — 
COMPOUNDED TWICE A 
YEAR, which we pay on Savings 
Accounts your deposits become a 
gilt edged investment. 

For the business man there is 
no greater convenience than a 
checking account. 



This shows wording and illustrations, 
but does not suggest manner of display. 



The risers to the stairway that 
leads to success are made up of 
single dollars. With every step, 
you advance nearer your goal. 
Take a single dollar — that's easy 
enough — and open a bank ac- 
count in the 

BANK 

Next week, add another dollar 
and you have reached your sec- 
ond step. We make your prog- 
ress easier by adding — interest 
to your account so that you may 
attain your ambition more speed- 
ily. Don't put it off. Bring in 
the dollar— NOW. 



FINANCIAL ADVERTISING 



45 




,Q' 



No. 63 

Toward prosperity and inde- 
pendence is a deposit in a good 
savings bank. The biggest for- 
tunes in the world had their 
foundation in small savings. The 
Savings Bank opens ac- 
counts with as little as one dol- 
lar. Make a deposit to-day and 
start on the road to indepen- 
dence. The first step isn't hard 
and the others are easier, once 
you get the habit. 



This shows wording and illustrations, 
but does not suggest manner of display. 



START IT NOW 

To be successful in life, no 
matter what your ambition may 
be, have a bank account — the 
foundation to many a man's suc- 
cess. Open an account in 

THE BANK 

and see how quickly it will grow. 
One dollar will attract another, 
and before you are aware of it, 
you have a substantial account 
to your credit. Don't delay. Be- 
gin now. 



[AKE 

(YOUR 

MARK] 
IN 



No. 90 

Without a Bank Account to 
begin with, you cannot Make 
Your Mark In Life. The New 
Year will soon be here. Why 
not save now and begin the year 
with an account in the 

• BANK 

Before the next year rolls around, 
with a little economy on your 
part and interest compounded 
semi-annually, which we pay on 
your money, you will have a sub- 
stantial account to your credit. 



This shows wording and illustrations, 
but does not suggest manner of display. 



PLAN SAVING 

A plan is the only way of at- 
tainment. A plan to save money. 
In following the plan — the habit 
is formed — and habit makes the 
way easy. 

Start your plan to-day. $1 
will do to begin. 



BANK 



46 



FINANCIAL ADVERTISING 




No. 80 

The progressive farmer, the 
up-to-date business-man, knows 
the value of a bank account, both 
as an investment and convenience. 
The investment lies in the inter- 
est which is paid on your deposit, 
while the checking account is a 
boon for the business-man. 

THE BANK invites your 

account. 

This shows wording and illustrations, 
but does not suggest manner of display. 

This is the time for you to 
start on the road to success. It 
is not too late. You can easily 
take a dollar out of your earn- 
ings and start a bank account 
with it. With this dollar as a 
starter you will be encouraged to 
add to it, and soon you will have 
a comfortably sized deposit to 
your credit. We know this be- 
cause we've seen this occur time 
and time again. 

THE BANK 

will take your account and pay 
you an interest of — on your de- 
posit. The iron is hot — strike 
now. 




No. 295 

Pick your opportunity by 
opening an account in 

BANK 

If you haven't much, you can 
open for little. All you need is 
a start, and a bank account is 
the starting point to success. 

An interest of — is paid on 
all savings accounts. 



This shows wording and illustrations, 
but does not suggest manner of display. 



The opportunity on which 
your success in life depends, is 
a bank book. It is within your 
reach. PICK IT UP. 

THE BANK 

will start your account with any 
deposit, large or small, and will 
increase it by allowing you an 
interest of — on your deposit. 
This is an opportunity you cart- 
not afford to lose. PICK IT 
UP. 



FINANCIAL ADVERTISING 



47 




No. 218 

George W. Childs said: "A 
young man should not yield to 
any temptation to relax his ef- 
fort in attending to his business 
in order to amuse himself." Mr. 
Childs always took pride in do- 
ing his work well and saving his 
money — his determined efforts 
brought success, fortune and re- 
spect. You, too, can be success- 
ful by saving your money and 

opening an account with the 

Trust Company, where your 
funds are absolutely safe and 
will yield you a good return. 



This shows wording and illustrations, 
but does not suggest manner of display. 



Let us help you. It is because 
for thirty years we have aided 
countless numbers of business 
men and individuals in their prog- 
ress to success, always preserv- 
ing a safe balance between ac- 
commodations and safety, that 
we are to-day the largest finan- 
cial institution in the Northwest. 
With resources of over hun- 
dred thousand dollars, with an 
unusually strong directorate, 
and with officers of ripe experi- 
ence, we offer depositors every se- 
curity. We ask that you make 
free use of our facilities. 




No. 387 

Every philosopher of this and 
ancient time has pointed out the 
wisdom of saving. One, in speak- 
ing of a small coin, referred to 
it as a trifle — yet, he said, while 
a small coin is indeed a trifle, it 
must be remembered that trifles 
make perfection and that perfec- 
tion is no trifle. Every argu- 
ment, oral or written, is in favor 
of the " saving habit." It is, 
figuratively speaking, the key- 
note for the building of character 
and independence. Start to 
save. Open an account here. 



This shows wording and illustrations, 
but does not suggest manner of display. 



If you can see no wisdom in 
saving, answer these questions. 
Perhaps your wages amount to 
$25 a week. Perhaps your ex- 
penses are $18 a week. The other 
$7 goes for what? Does it go 
toward a rainy day fund, or are 
you spending it as you go? If 
you are spending it as you go, 
what will you do when you are 
unable to work? Put your ex- 
tra $7 per in our savings bank 
and you and your family will en- 
joy that fee when you reach old 
age. We pay 3 per cent, com- 
pounded semi-annually. 



48 



FINANCIAL ADVERTISING 




No. 199 



BANK YOUR SAVINGS 

Have YOU put away anything 
for the winter of your life? With 
the New Year, resolve to econo- 
mize. The first step in economy 
is a Bank Account. Open an ac- 
count in the 

FIRST NATIONAL BANK 

and pave your road to success. 
An interest of — paid on your 
savings account, will help swell 
your deposits. 



This shows wording and illustrations, 
but does not suggest manner of display. 



LAID OFF, LAID UP, LAID 
AWAY? 

Mr. Wage Earner: Did you 
ever think what might happen to 
you and your family, if any of 
the above should find you with no 
money in your purse? Wouldn't 
it be wise for you to provide 
against that day and to begin to 
save now? Our savings depart- 
ment accommodates all who wish 
to lay aside small or large sums. 




No. 66 

THE BEAVER IS A MODEL 
OF INDUSTRY 

With his tiny teeth he gnaws 
and gnaws until he fells great 
trees with which he builds dams 
across the river. Just think of 
it. This is all done by one tiny 
bite, then another, and another, 
until his great work is accom- 
plished. 

The moral here is that he 
makes every bite count. Take a 
lesson from the Beaver. Put 
away your pennies, and you'll 
soon have dollars. 

Start a bank account — make 
every bite count — and you'll soon 
realize your ambition for success. 



This shows wording and illustrations, 
but does not suggest manner of display. 



START THE BOY RIGHT 

The training of a boy in hab- 
its of saving, thrift and industry, 
will insure to his success' in after 
life. Set him a good example by 
depositing part of your earnings 
in this strong and sound bank for 
savings — better still, open a small 
account in his name with us now. 
per cent, interest com- 
pounded semi-annually will make 
him a nice nest egg when he's 21. 



FINANCIAL ADVERTISING 



49 




THE 



NATIONAL BANK 



like the great sturdy oak, offers 

you 

PROTECTION 

for your money. With its 
strength, its conservatism, its 
able officers, there is no more se- 
cure place to deposit your sav- 
ings. 

Capital, , Surplus, , 

Assets, 



This shows wording and. illustrations, 
but does not suggest manner of display. 



$1 IS THE ACORN 
which, properly sown and care- 
fully nursed, grows into the 
mighty oak of financial inde- 
pendence. 

PLANT $1 IN THIS BANK. 
Once taken root, the saving 
habit grows in proportion to the 
balance in the bank. 

NOW is the time to sow. 




No. 392 

GROWING OLD? 

Probably it has never occurred 
to you, but don't you think that 
you really should be saving some 
money? You are always liable 
to get sick or hurt, and anyway, 
if you live, you positively will 
grow old. What will you do then 
if you have no money? A sav- 
ings account with this strong 
bank makes the " growing old " 
scare vanish. One dollar starts 

the account. We pay per 

cent, on time deposits. 

This shows wording and illustrations, 
but does not suggest manner of display. 

DON'T LET AGE BRING 
WANT 

Just think of the comfort, the 
satisfaction you would have if 
only you a little sum set away 
for a rainy day — often you must 
borrow only to pay back. You 
can save, don't wait until you 
must regret you didn't. See us 
to-day in regard to an account. 
One dollar will start you and we 

pay you per cent, interest, 

too. Deposits received up to the 
5th of the month draw interest 
from the first. 



50 



FINANCIAL ADVERTISING 




No. 360 

SAVE FOR A HOME 

To own a cozy home is the 
pride of every young couple. 

Save up now, young man — de- 
posit your surplus change in this 
bank, and see how soon the pur- 
chase price is reached. $1 will 
do to start. 



This shows wording and illustrations, 
but does not suggest manner of display. 



SAVE FOR A HOME 

Whenever earning begins, sav- 
ings should begin. We have 
started a lot of people in the 
right direction. Some had never 
before saved anything — because 
they had given the matter no seri- 
ous thought. Our savings de- 
partment is an ideal place in 
which to start an account that 
may lay the foundation of your 
fortune. Deposits of one dollar 
or more will be received and we 
will pay you ■ — ■ per cent, interest 
compounded twice a year. Start 
to save now. 




No. 276 



"SMALL CHIPS FELL THE 
MIGHTY OAK " 

The improvidence of a large 
number of people is not due so 
much to a desire to spend every 
cent they earn, as to their failure 
to understand the value of small 
economies. If a start, no matter 
how small, would only be made of 
laying aside a small portion of 
the income, each week or month, 
the lesson of economy would soon 
be learned. Start an account 
with us to-day, no matter what 
may be the amount. This strong 
company will gladly help you to 
accumulate more. 



This shows wording and illustrations, 
but does not suggest manner of display. 



YOU MUST MAKE A START 

Every worker, regardless of his 
station in life, wins out by honest 
application. There is no room 
for drones in the modern hive. It 
is an age of " bustle." You 
should make your money " hus- 
tle " for you, too. If you haven't 
any surplus, get some. Money 
at work is a good silent partner. 
Begin to save money. Begin with 
a dollar a week if you can't save 
more. 



FINANCIAL ADVERTISING 



51 




No. 104 



SUCCESS IS SWEET 

and there are plenty of opportu- 
nities to go 'round to all who 
wish it. Your share is always 
ready for you ; it is yours for the 
asking. It requires very little ef- 
fort. A little account in the bank 
starts it. Take a dollar and open 

an account in Bank, and 

you will be tempted to add more 
and more to it, until, with the — 
interest which we add on, you will 
in a little while have a substantial 
deposit to your credit. Get your 
share. 

This shows wording and illustrations, 
but does not suggest manner of display. 

SUCCESS 

in the mind of most of us means 
the acquisition of wealth. And to 
acquire wealth, you must be sys- 
tematic in your savings. The ex- 
perience of thousands of thrifty 
and prosperous persons, proves 
the value of this principle. The 
first step of this system should be 
a bank account. 



THE 



BANK 



will start your account with as 
little or as much as you like, and 
will pay you an interest of — on 
your money, as long as same is 
on deposit with us. 



No. 224 

YOUR BEST FRIEND 

A man's best friend is his 
money. It never worries you with 
tales of its troubles, but is your 
best help in days of adversity. 
How often have you cast this 
friend away? Start to-day. Keep 
this friend. 



THE 



BANK 



will help you. It will increase 
the size and usefulness of your 
friend — by adding an interest — 
and remember a man is known by 
his friends. 

This shows wording and illustrations, 
but does not suggest manner of display. 

No man has a better friend 
than his money. It is his help in 
need and in deed. How often 
have you thrown this friend 
away? Resolve from this day on 
to save your money, and make a 
mark for yourself in this world. 
Begin with a bank account in the 

BANK. 

where your money will increase at 
the rate of — per cent, interest 
which the bank allows, as well as 
by your own additional deposits. 
You can start your account with 
a dollar or a hundred — once 
started, it will grow with an im- 
petus that will surprise you. 
Open an account to-day. 



52 



FINANCIAL ADVERTISING 




No. 42 



DON'T BE FOUND ASLEEP! 

A homeless wanderer in his old 
age is likely to be the fate of the 
man who is improvident in his 
youth. Assure yourself of a com- 
fortable old age by cultivating the 
saving habit. A savings account 
opened with this company and 
consistently followed up makes 
old age a delight and bridges over 
many a trouble. 



This shows wording and illustrations, 
but does not suggest manner of display. 



ECONOMY IS WEALTH 

There is nothing like a savings 
account to keep poverty at arms' 
length. Lots of people think it's 
no use to try to save unless they 
have a large amount of money to 
start with. It is the litle accounts 
saved up systematically from 
week to week that go to make the 
strongest barrier against need. 



SERVICE AND SAFETY GO 
HAND IN HAND 

Perfect safety and the best 
service go hand in hand with us. 
A conservative policy has never 
been sacrificed for passing advan- 
tages, and the careful business 
man recognizes that such a sys- 
tem is the rock upon which a 
great banking institution is 
reared. We treat our depositors 
much as a good commercial 
house would treat its customers, 
knowing that their good will and 
approval of our service is as vital 
to us as if we sold goods. Large 
depositors and small are on the 
same plane. We will be glad at 
any time to receive all or part of 
your account, and our perfect 
organization and up-to-date 
methods are always at your com- 
mand. 

This shows wording and illustrations, 
but does not suggest manner of display. 

When you hand over your 
money to us for safe keeping, 
it's just as secure as though 
Uncle Sam himself is holding it 
for you. And indeed, Uncle Sam 
does guard it. The moment 
your money comes under our pro- 
tection, it begins to grow, and it 
continues to grow as long as it 
remains with us. We pay an in- 
terest of — on your deposit. 
Isn't this the best and safest in- 
vestment you can make? 



FINANCIAL ADVERTISING 



53 




No. 126 



A savings account is often the 
key that opens when Opportunity 
knocks at the door. 



BE PREPARED! 

The lack of a few hundred dol- 
lars in ready cash has caused 
many a golden chance to pass the 
young man by. Put your savings 
here at interest. 




No. 185 

These are the rays which lead 
from the beacon light of Success. 
If you are ambitious to become a 
successful man or woman, you 
must learn to economize. Your 
first lesson should be to open a 
bank account in the 



BANK, 

where your deposit will accumu- 
late by further additions from 
your economy, and — interest 
which is allowed on your money. 



This shows wording and illustrations, 
but does not suggest manner of display. 



This shows wording and illustrations, 
but does not suggest manner of display. 



NOW IS THE TIME 

In the early years of life is the 
time to learn to save ; it's easier 
to learn then than after habits of 
extravagance are formed. The 
boy who spends his pennies fool- 
ishly will spend his dollars fool- 
ishly, if he ever has any. Give 
the boy a bank book and teach 
him to save something. He'll be 
glad of it when he is older and 
wants to go into business for him- 
self. Pennies make dollars and 
dollars make a man independent. 



"WHY TARRIEST THOU?" 

Promptness and efficiency are 
very important factors to the 
man who would get ahead. We 
appreciate the importance of 
promptness and efficiency in the 
transaction of banking business, 
and we urge upon you the neces- 
sity for economy and thrift. To 
meet the requirements of business 
men, firms and individuals we have 
installed every modern facility 
and convenience. Your savings 
here will earn good interest. 
Your account is respectfully so- 
licited. 



54 



FINANCIAL ADVERTISING 




No. 110 

THE OPENING WEDGE 

A Bank Account is the opening 
wedge to a successful future. Put 
in the wedge now by opening an 
account in the 

BANK 



and assure yourself a successful 
future. Your account will draw 
— per cent, interest compounded 
annually as long as it lasts. Start 
your account with as much as you 
can spare, and watch it grow. 

This shows wording and illustrations, 
but does not suggest manner of dispiay. 

IS DRIVEN BY THRIFT 

Are you able to accept a good 
investment opportunity? To dis- 
count a note or buy a bargain 
for cash? To tide over illness, ac- 
cident or misfortune, loss of posi- 
tion or a lay-off? If you would 
begin at once to save a portion of 
your earnings each week, the time 
would quickly come when this 
question could be answered yes, 
and proudly, too ! We will open 
an account with you for as little 
as one dollar in our savings de- 
partment, and pay — per cent, 
interest on all funds you deposit. 
There is no surer, safer, or more 
convenient way to save. 



H 


V TAKE 
© ! SURVEY 

*HL. ■■'■■"■ ■'■"" 


1 ML W v 

mm 


<fe or 


w 


jJ^YOUR 




1 FUTURE 



No. 228 

Do you see success? The first 
and most essential step to a suc- 
cessful future is a bank account. 
Then, with economy and thrift, 

besides the interest on your 

deposit, which is allowed by the 

BANK 



your account grows and grows, 
until you are in a position to use 
it to blaze the trail to success. 
Come — open an account now. 



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but does not suggest manner of display. 



A WISE MAN 

doesn't live as though his income 
couldn't stop — he makes provi- 
sion for sickness, lack of work, 
accident and old age, by having 
a savings account with this com- 
pany, where every dollar he de- 
posits earns per cent, in- 
terest. 



FINANCIAL ADVERTISING 



55 




No. 290 

BENJAMIN FRANKLIN 

said: "A small leak will sink a 
great ship." 

Have you ever thought what 
the small bits of money you have 
foolishly expended would amount 
to if you added them up? Add 
to this the - — per cent, interest 
which we pay on deposits, and you 
will see the great truth of this 
Franklin epigram. 

Stop those leaks — cut out those 
expenditures and open a bank ac- 
count — now — start it with a dol- 
lar if you like, and you will soon 
see the wisdom of this. 

This shows wording and illustrations, 
but does not suggest manner of display. 

"THE WAY TO WEALTH" 

says Franklin, " is as plain as the 
road to market." Our failures 
are not caused by not knowing 
what to do, or how to do it, but 
because of the lack of will to do 
what we ought — lack of deter- 
mination. Every man knows that 
he ought to save — almost every 
man can save but lacks the will 
to start saving. So he lives on, 
spending money as fast as he 
earns it, but he has nothing to 
show for it. Save your money 
and deposit it here — you'll be sur- 
prised at the way it will grow 
under our care. 




No. 268 

IT WAS HENRY CLAY 

who said, " Government is a trust 
and the officers of the government 
are the trustees ; and both the 
trust and trustees are created for 
the benefit of the people." 

THE BANK 

is under the direct jurisdiction of 
the State banking laws, and like 
the State Constitution, was creat- 
ed " for the benefit of the people," 
its officers are men of integrity. 

The surplus of the bank, $ , 

is testimony of their able man- 
agement. Accounts solicited. 



This shows wording and illustrations, 
but does not suggest manner of display. 



WISE MEN ALL AGREE 

That the test of a man's will 
power is his ability to save money. 
Money goes easily when you 
carry it about with you. But 
there is economy in putting it 
away in a safe and sound sav- 
ings bank. The large capital 
and conservative management of 
this bank is a guarantee that 
your deposit is always safe. 



56 



FINANCIAL ADVERTISING 




No. 124 

A LESSON FOR THE PAR- 
ENT 

The most valuable lesson which 
you can teach your child is Econ- 
omy. Teach it that Economy is 
the foundation of Success. 
Teach it to save. Start a bank 
account in its own name, and 
watch it grow, so that by the time 
the child becomes an adult the 
account by additional deposits, 
and by its own natural growth of 
— per cent, accumulating, will 
have become sufficient to give the 
child a fair start in life. 



This shows wording and illustrations, 
but does not suggest manner of display. 



YOUR CHILDREN 

should be taught to save. A bank 
book is an object lesson in econ- 
omy that you can secure for thern 
for $1.00. Start them on the 
right road while they are young 
and they will follow it of their 
own accord when older. 




No. 194 

DOLLARS GROW 

all the time. No money comes 
easier than interest money when 
once you have made a start. It 
does not require a large amount 
to begin with. And there are no 
vacation periods with interest; it 
keeps right on working for you 
days, nights, Sundays and holi- 
days. Better begin now ; deposit 
whatever you can spare, add to it 
whenever possible, and in time 
your success is assured. We will 
welcome your account, large or 
small. 



This shows wording and illustrations, 
but does not suggest manner of display. 



PLANT SINGLE DOLLARS 

AND WATCH THEM 

GROW 

The money you bank with us — 
whether it's a dollar or the most 
we are willing to receive — is well 
cared for and accurately account- 
ed for. We look out for your in- 
terests because our success de- 
pends upon your satisfaction. 
Annual — ■ per cent, interest is 
given here, that compounded ev- 
ery three months, which means 
an ever growing bank account. 



FINANCIAL ADVERTISING 



57 




No. 423 

MAKE YOUR MARK 

Money in the bank is more than 
money — it is character. The man 
with a bank account is seldom out 
of work. His thrift is recognized. 
It makes him a good workman. 
If a man is to be selected for pro- 
motion, the man with a bank ac- 
count is apt to be chosen. He is 
looked upon as a reliable man. 



This shows wording and illustrations, 
but does not suggest manner of display. 



CARVE OUT YOUR OWN 
SUCCESS 

Establish the saving habit and 
your dollars will grow and help 
you. 

Money at interest is a good si- 
lent partner — one that will work 
night and day, unflagging in its 
zeal for your welfare — one that 
the longer let alone the better 
work it will do. 








No. 415 

Every man's future lies in his 
own hands. If he would be suc- 
cessful he must cast his own mold 
of success. A bank account in 

THE NATIONAL BANK 

is the mold in which he will make 
a, successful cast. It will not only 
secure him against " the rainy 
day " but will increase continu- 
ally by the interest of — per 
cent, allowed by this bank. 

This shows wording and illustrations, 
but does not suggest manner of display. 

LITTLE BY LITTLE 

your regular and frequent de- 
posits in this institution furnish 
a basis for credit that will enable 
you to take advantage of business 
opportunities that may call for 
more ready money than you have 
at your command. In making 
loans, all bankers must give 
preference to their depositors, and 
they are always ready and willing 
to help those whose steady de- 
posits and thrifty habits show 
their ability and determination to 
help themselves. 



58 



FINANCIAL ADVERTISING 



HAVE YOU HAD 
YOUR SHARE? 




No. 221 

When we say that anybody can 
be successful if he will be thrifty 
and industrious, we mean YOU — 
YOU who are now reading this 
article. Some people think they 
are born failures — it is not true. 
It is only lack of determination 
that makes failures. 

Determine that you will own a 
bank account, that you will add 
a certain amount every week to 
your deposit, and you will soon 
see the truth of this argument. 

THE BANK 

pays an interest of — per cent, 
on your deposits. 

This shows -wording- and illustrations, 
but does not suggest manner of display. 

The opportunity on which your 
success in life depends is a bank- 
book. It is within your reach — 
PICK IT UP. 

THE ■ BANK 

will start your account with any 
deposit, large or small, and will 
increase it by allowing you an 
interest of — per cent., com- 
pounded semi-annually on your 
deposit. This is an opportunity 
vou cannot afford to lose. PICK 
IT UP. 




:Wj0m 



MlAl/ffi 
WREATH Of 

SUCCESS 



No. 29 

is not bestowed by the goddess 
Chance as often as many men 
suppose. Success comes to him 
who works and saves. 

Financial independence is most 
surely gained by the prudent 
saver who deposits his money in 
this bank and watches it grow. 



This shows wording and illustrations, 
but does not suggest manner of display. 



Interest at — per cent., to 
some, may mean a great accumu- 
lation of wealth — to others, a 
modest income sufficient for the 
present as well as for protection 
against the future. In either 
case, a bank account is an abso- 
lute necessity. With a bank ac- 
count, you have something to look 
forward to and something to fall 
back upon. Why wait? Open 
an account now — NOW — with a 
dollar if you can't afford more. 

BANK 



pays an interest of — per cent, 
on your deposit. 



FINANCIAL ADVERTISING 



59 




No. 347 

Temptations easily overcome 
the man who carries his wealth in 
his pocket. Usually at the end 
of a year a man is no better off 
than at the start. The thrifty 
and careful man deposits his sur- 
plus with 

THE BANK 

where it earns — per cent, com- 
pounded interest and yet is sub- 
ject to withdrawal at any time. 



This shows wording and illustrations, 
but does not suggest manner of display. 



THE LITTLE THINGS 
THAT COUNT 

are pennies. The nickels and 
the dimes that most people don't 
count in their expenditures that 
go for amusement, extravagance 
or through habit, are the ones 
that waste your dollars. Place 
your dollars with the 

BANK 

for safekeeping and the accumu- 
lation of interest. Our financial 
standing is of the highest, and 
we offer exceptional advantages. 




No. 371 



SOME PEOPLE'S SAVINGS 

are burned up, and some forget 
the hiding place, and thus they 
never do their owner any good. 
Such people are to be commended 
for having formed the habit of 
saving, but too much commenda- 
tion cannot be given the mind 
that didn't have foresight enough 
to use the bank. 



This shows wording and illustrations, 
but does not suggest manner of display. 



THE TREASURE OF THE 

HOME IS A BANK 

BOOK 

given to the depositors of the 
Savings Bank. It is the de- 
pendence that the family has to 
look to when the rainy day comes 
or when the day comes that you 
want to buy a home for your lit- 
tle family. Save in time and you 
can be independent in your old 
age. Deposits received from 
$1.00 up; — per cent, interest, 
payable quarterly up to $1,000 ; 
— per cent, on $1,000 and over. 



60 



FINANCIAL ADVERTISING 



.*& 



A 



s*T. 



Out 



No. 212 

STRIKE OUT FOR YOUR- 
SELF 

Get out of that rut. Show 
what self-independence you have 
by opening a bank account. 
Don't say you haven't enough to 
begin. You have — a dollar will 
do it — and with this dollar as a 
starter, you will be encouraged 
to add and add to it, until, with 
the — per cent, interest which 
helps it along, you will have a 
good account to your credit. 



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but does not suggest manner of display. 



SOUND ADVICE TO YOUNG 
MEN 

Two good rules, which, if fol- 
lowed, will bring fortune: First 
— Ruying nothing until you can 
pay for it. Second — Saving a 
part of your weekly earnings — 
even if it be no more than a quar- 
ter dollar — and put your savings 
monthly in this bank. We pay 
interest on savings accounts, and 
would be pleased to have you 
open one with us. 



GUAHDAGAINST 




1AINYDAYS 



No. 11 



HAVE YOU PREPARED FOR 

THE PROVERBIAL 

RAINY DAY? 

It is not too late to begin. A 
little thrift and economy will not 
only prepare you for the " rainy 
day," but will pave your way to 
the sunshine of success. Take a 
dollar, if you can't spare more, 
and open an account in the 

BANK 

You'll be surprised to see it 
grow, and besides, we allow you 
an interest of — per cent, on your 
deposit. Can you afford to de- 
lay any longer? 



This shows wording and illustrations, 
but does not suggest manner of display. 



BY SAVING 

Our little banks make saving 
easy. The ingenious little sav- 
ings banks we loan to depositors 
are wonderful little saving help- 
ers. They record the amount 
you put in, and convert your 
spare nickels and dimes into dol- 
lars almost before you notice it. 
You should open an account in 
our savings department and get 
one. A dollar will do to begin 
with. 



FINANCIAL ADVERTISING 



61 




No. 200 

" Early to bed and early to rise 
Makes the man healthy, wealthy 
and wise." 

Paraphrase this homely old 
truth of Benjamin Franklin's, 
and you get the two words — " In- 
dustry and Economy." The man 
or woman who by industry and 
economy put aside a part of the 
earnings each week, must ulti- 
mately be successful. Start a 
savings account in the 

BANK 



Start it with what you have, and 
as you add to your deposits, we 
will help it grow by paying you 
an interest of — per cent. Start 
yours now. 

This shows wording and illustrations, 
but does not suggest manner of display. 

IDLE MONEY— AND IDLE 

MEN 
are both useless. They should be 
at work. Money will work if you 
give it a chance. 

Your best friend cannot always 
be with you. Also friendships 
fail, but a bank account is a 
friend always — doubly so in times 
of adversity. Start the account 
now. Add a little every pay day. 
It doesn't take long for it to 
grow. One dollar starts it. 



No. 237 



Mere saving is not thrift. 
Thrift is the placing of your 
money where it will make more, 
and still be safe from loss. 

The only place to place money 
is the 

NATIONAL BANK 



It is absolutely safe, and pays 
— per cent, interest on checking 
accounts. 



This shows wording and illustrations, 
but does not suggest manner of display. 



THE INDUSTRIOUS HONEY 
BEE 

stores away the accumulation of 
its labors against the day of ad- 
versity. 

It rests with you whether your 
old age shall be passed in poverty 
and misery or in independence 
and comfort. A savings account 
now decides the matter. 

Money in the bank gives you a 
feeling of security — enables you 
to take advantage of opportuni- 
ties for making more money and 
lifts you out of the rut — makes 
you a manly man. 



62 



FINANCIAL ADVERTISING 




No. 266 

DO YOU EVER 

take a few minutes off to peep 
into your future? Are you doing 
the right thing by yourself? Are 
you laying aside a little from 
your earnings each week? Per- 
tinent questions, these, but they 
are what every intelligent man and 
woman should seriously consider. 
Start the foundation of your fu- 
ture with a bank book — it doesn't 
matter how little it is — in the 

BANK 



Here your money is safe, and 
it grows every day it is on de- 
posit. You get an interest of — 
per cent., and the money is yours 
whenever you ask for it. 



This shows wording and illustrations, 
but does not suggest manner of display. 



IF YOU SAVE NOW 

Then sometime in the future you 
will have something to draw on. 
Perhaps when you need it badly. 
Why not start a savings account 
here now — with a dollar, or as 
much as you can spare? It will 
earn a fair rate of interest and 
prove an incentive to save more. 
Accepts deposits in sums of one 
dollar and upward. 




No. 324 

THERE'S NO WITCHERY 

IN SUCCESS 
ANYBODY CAN BE SUC- 
CESSFUL. This is a broad 
statement, but it is a fact. Any- 
body can be thrifty, industrious, 
economical; anybody can open a 
bank account. It doesn't take 
much— A DOLLAR WILL DO 
IT. This dollar will lead you on 
to save, and before you realize it, 
you have a snug amount to your 
credit. 

THE NATIONAL BANK 

will accept your deposit for as 
little or as much as you can af- 
ford, and pay you — per cent, 
interest on your balance. 

This shows wording and illustrations, 
but does not suggest manner of display. 

FINDING MONEY IS NOT 

TO BE DEPENDED 

UPON 

If you spend all you earn, what 
are you going to do when sick- 
ness, accident or lack of employ- 
ment causes extra expenses or 
stops the income? You can't 
pick up money to meet such emer- 
gencies. The days of witchcraft 
are past. Put part of your earn- 
ings in a savings account where 
it will be waiting for you and 
drawing — per cent, interest, in 
the Savings Bank. 



FINANCIAL ADVERTISING 



63 




No. 414 

SAVE AND YOU WILL 
HAVE 

The money you throw away 
would surprise you if you kept an 
account of it. Try saving it for 

a year in the Savings Bank. 

At the end of that time you will 
be amazed at how much your sav- 
ings amount to. Isn't it a whole 
lot better to have a comfortable 
sum in the bank than merely the 
memory of money spent for noth- 
ing? Try it. 

This shows wording and illustrations, 
but does not suggest manner of display. 

THE SUCCESSFUL AND THE 

UNSUCCESSFUL 

agree on this : One point is never 
disputed. Ask the rich man and 
the poor man what is the begin- 
ning of wealth and each will an- 
swer — " Save part of your earn- 
ings." In the beginning money 
to take advantage of profitable in- 
vestments is accumulated slowly. 
After the first hundred dollars, 
the way is clearer and more cer- 
tain. Progress to a higher sta- 
tion in life is impossible unless 
you do save. 




No. 407 

THE FRUIT OF MAN'S 
LABOR 

It is only by economy, saving 
and thrift, that man can bring 
forth the fruits for enjoyment. 
A bank is the soil, your spare 
cash the plant, and a bank book 
the fruit. 

Plant to-day — in 

THE FIRST NATIONAL 
BANK 



This shows wording and illustrations, 
but does not suggest manner of display. 



RICHES 

Others have grown rich, why 
not you? Others have worked for 
just as little and even smaller 
wages than you receive, and have 
been able to deposit a snug sum 
in the bank, where it earned in-, 
terest for them night and day the 
year around — why not you? 



64 



FINANCIAL ADVERTISING 




No. 422 

Perfect protection should be 
the first consideration of your 
money, and that means that you 
should deposit your money in a 
good responsible bank. 



THE 



NATIONAL BANK 



with its fire and burglar proof 
vaults will not only protect your 
money, but will help your amount 
grow by adding an interest of 
— per cent, to your deposit. 




No. 427 

THE BOY WHO STARTS A 
BANK ACCOUNT 

and saves and deposits the nickels 
and dimes that other boys would 
spend, is a boy who will begin ac- 
tive business life qualified to suc- 
ceed. He will reach manhood with 
habits and qualities of character 
essential to thrift cultivated and 
developed, and will have his sav- 
ings and accumulated interest as 
ready capital. A single dollar 
will open an interest-bearing ac- 
count. 



This shows wording and illustrations, 
but does not suggest manner of display. 



PROTECTION 

You've heard of people who 
hoard their money in a cupboard 
— in an old stocking — and other 
places of like ilk. And then the 
house burns down — or is robbed, 
and the savings of years are lost. 
Banks have been created for the 
protection and safeguarding of 
your money. 



This shows wording and illustrations, 
but does not suggest manner of display. 



START YOUR BANK 
COUNT NOW ! 



AC- 



The hardest part of anything 
is the start. It's easy when you 
get going. Just make up your 
mind to begin saving money to- 
day and you'll find it so easy to 
keep it up that you'll wonder why 
you never did it before. Put the 
money with us and get an addi- 
tion to your income from it. 



FINANCIAL ADVERTISING 



65' 





No. 198 

in a Bank Account that will hold 
your savings in trust and pay you 
an interest of — per cent, on 
your deposits. 



No. 180 

A TRUSTY GUARDIAN 

Put your hard earned savings 
where they will be safe and se- 
cure, yet always within your 
reach. The policy of 



THE 



BANK 



THE 



BANK 



is an ideal bank for the man with 
a future. It will help you on the 
road to success and spur your 
ambition. It will advise you on 
investments and give you the 
benefit of expert financial knowl- 
edge. Give this matter thought. 



is safe, secure, and conservative. 
It makes no hazardous loans or 
investments. Your money is al- 
ways at your command, and can 
be withdrawn at your pleasure 
without loss of earnings. In open- 
ing an account in this bank, you 
insure yourself against failure. 



This shows wording' and illustrations, - 

but does not suggest manner of display. This shows wording and illustrations, 



but does not suggest manner of display. 



NAIL DOWN YOUR 
DOLLARS 

Keep them fast — in firm re- 
solve — in 

THE BANK 

Then you may rest assured that 
you are prepared for the prover- 
bial " rainy day." You get an in- 
terest of — on your deposit, and 
your money may be withdrawn at 
your pleasure. Put the nail in 
NOW. 



A WISE INVESTMENT 

Once you start a Bank Ac- 
count, it is surprising how it 
grows. It becomes a habit, and 
before you are aware of it, you 
have a substantial sum to your 
credit. If you have never tried 
to acquire this habit, try it now 
— begin with a dollar, if you like. 

We pay interest at the rate of 
— per cent, compounded twice 
annually and you can get your 
full principal and interest at any 
time. We earnestly solicit your 
correspondence. 



66 



FINANCIAL ADVERTISING 




No. 130 

DON'T SCATTER YOUR 
DOLLARS ! 

Money flies from most people 
— those who need it most, in fact 
— and the best way to arrest its 
flight is to put it in a bank — -a 
strong, conservative, well-man- 
aged one like this. We not only 
save your money for you, but 
make it make money for you by 
paying you three per cent, in- 
terest, compounded every six 
months. The deposits in the sav- 
ings department are, with the ex- 
ception of the cash reserve, in- 
vested in municipal and other 
bonds and mortgages on real 
estate. 



This shows wording' and illustrations, 
but does not suggest manner of display. 



DON'T TRUST YOUR DOL- 
LARS IN YOUR OWN 
HANDS! 

Spending is a habit easily ac- 
quired. The dollar that is spent 
is a lost friend — gone forever. 
The dollar that is saved is a 
working partner — never sleeps — ■ 
always adding to your store. A 
dollar deposited in this bank 
opens an account and earns divi- 
dends. Better deposit that spare 
dollar now. 




No. 120 

A BANK FOR MEN AND 
WOMEN 

who appreciate the fact that 
thrift and economy are essential 
to success. Besides the — per 
cent, interest which we may pay 
on every dollar of your deposit, 
depositors have the privileges of a 
checking account, which is a con- 
venience that can not be over-es- 
timated. 

Don't delay. Open an account 
now. The sooner you act, the bet- 
ter your future. 



This shows wording and illustrations, 
but does not suggest manner of display. 



MEN AND WOMEN 

who realize the importance of a 
conservative and careful manage- 
ment entrust their savings to our 
care. Not only is their money 
jealously guarded, but with the 
— per cent, interest compounded 
twice annually, it is constantly 
working for them, and thus be- 
comes an investment of the high- 
est order. If you haven't a bank 
account, why not one start at 
once ? 



FINANCIAL ADVERTISING 



m 




No. 418 

THIS BANK 

does business under the direct su- 
pervision of the government. 
Such catastrophes as have filled 
the newspapers recently, where 
Surety and Trust Companies have 
been intrusted with monies of the 
public, could never occur if the 
institutions were restricted and 
guarded by the government. 
Herein lies a great and important 
lesson. 

This shows wording 1 and illustrations, 
but does not suggest manner of display. 

If the management of every 
bank would never lose sight of 
the fact that the growth of its 
institution can only be promoted 
through the satisfaction of its 
depositors, and work unceasingly 
to that end, the standard of bank- 
ing institutions would be raised 
to the mark that the 

FIRST NATIONAL BANK 

has always maintained. 




No. 424 

BLOWING MONEY WILL 
NOT ADD TO YOUR 

Bank account no more than blow- 
ing the sails of a wind mill will 
grind grain. 

It's the dollar you store away 
in the savings bank that counts. 
Dollars left in our care grow fast. 



This shows wording and illustrations, 
but does not suggest manner of display. 



SPENT MONEY 

Like wasted time, is gone forever. 
You can't afford the risk 
of being without a reserve fund 
for the day of need which 
may come unexpectedly to every 
man. A savings account is a stor- 
age battery in which you can ac- 
cumulate the results of youthful 
energy for the time when you 
couldn't work if you desired. 
We'll start you with whatever 
sum you may bring to the bank 
and give you our advice and as- 
sistance. 



68 



FINANCIAL ADVERTISING 




A TRUSTY GUARDIAN 



THE 



NATIONAL 



BANK will be a trusty guardian 
of your money. Its conservation 
in its methods assures reliability. 
Surplus . Courteous treat- 
ment accorded to all. Advice on 
investments cheerfully given. 



This shows wording and illustrations, 
but does not suggest manner of display. 



HAVE YOU A BANK AC- 
COUNT? 

Why not make Uncle Sam 
guardian of your money? If you 
are tempted to spend, put your 
savings in the 

NATIONAL BANK 



and Uncle Sam will watch it for 
you, at the same time, increasing 
its value by a — per cent, inter- 
est which this bank allows on all 
deposits. The wisest, safest in- 
vestment is a bank account. 



THE FIRST DOLLAR 

with which you start a bank ac- 
count, becomes a veritable mag- 
net. It attracts others, and you 
soon have an accumulation of sub- 
stantial size. 



THE 



BANK 



is the medium by which you can 
attain this result. It will take 
your account for any amount, 
no matter how small, and pay you 
an interest of — per cent, on 
your investment. Or if you pre- 
fer, it will give you the privilege 
of a checking account,— a privi- 
lege of inestimable value to the 
prospective or established busi- 
ness man. For further particu- 
lars, call on the cashier. 

This shows wording and illustrations, 
but does not suggest manner of display. 

" Great events we often find 

On little things depend 
And many small beginnings 

Oft make a mighty end." 
From an acorn, the oak — -from 
a dollar, success. If you have an 
ambition in life you must own a 
bank account. Start an account 
in the 

BANK 

and plant your acorn of success. 
Don't put it off for to-morrow.. 
Do it now. 



FINANCIAL ADVERTISING 



69 




No. 204 

When you open an account in 
the NATIONAL BANK 

you practically entrust your sav- 
ings to Uncle Sam. With its 
$ capital and $ sur- 
plus, making its 

ACTUAL RESOURCES $ 

your savings are absolutely se- 
cure if deposited here. 

Patrons desiring to invest their 
money in ventures of any kind are 
cordially invited to consult us. 



This shows wording and illustrations, 
but does not suggest manner of display. 



PLACE YOUR MONEY IN 
SAFE HANDS 

where it will draw interest. This 
is a permanent institution. You 
always know just where your 
money is, and just how to get it. 
You know that it is being taken 
excellent care of and that you 
are getting interest on it all the 
time. There is no better place 
to keep money than to have it on 
deposit in a good savings bank. 
Deposit your money here — use 
our check book and you will find 
that the account keeps itself. 



FIRST 
NATIONAL' 

ipTBANK'lL 
$ ' iwUi24> ' \ 
the accotmfc 

I THRIFTY 

M : MEN m 

W WOMEN % 



No. 253 

WE EMPLOY ONLY SUCH 
METHODS 

in business as make banking insti- 
tutions of positive value. The 
management of this institution be- 
lieves that above everything else, 
stability and faithfulness are de- 
manded on the part of a well man- 
aged bank, and upon this basis we 
invite your patronage. — per 
cent, paid on time deposits. 



This shows wording and illustrations, 
but does not suggest manner of display. 



BACKED BY A BANK BOOK 

you are independent of the whole 
world. You need ask favors of 
nobody if you have a comfortable 
sum in the bank. Resolve to make 
yourself independent. Start an 
account to-day with the First Na- 
tional Bank. Don't wait until 
you have a big amount. Save 
what you have and let it be earn- 
ing interest while you are earning 
the rest. 



170 



FINANCIAL^ ADVERTISING 




A QXJEtfTTON OF MONEY 



No. 372 

"TIME'S A FLYING" 

Time is money — every time and 
all the time. The person who 
does not waste time and who man- 
ages money to the best advan- 
tage, is on the road to prosperity. 
Money on deposit in a savings 
bank works night and day. The 
interest earned is credited semi- 
annually in the pass book with 
the regularity of a clock. 
" Time's a flying." If you would 
manage your money well, open an 

account with the Savings 

Bank, where your money will be 
drawing — per cent, per annum 
interest. 




No. 354 

THE QUESTION OF MONEY 

is the question of every man's fu- 
ture. No matter how little you 
have, it's enough to open a bank 
account, the first step to a suc- 
cessful future. 



THE 



BANK 



will help you on the road to suc- 
cess, by receiving your deposit 
and paying you — % on your ac- 
count. Delay is dangerous ; act 
at once. 



This shows wording and illustrations, 
but does not suggest manner of display. 



This shows wording and illustrations, 
but does not suggest manner of display. 



DON'T LET YOUR DOLLARS 
TAKE TO WING 

Conservatism in banking means 
conserving the interests of every 
customer of the bank — large or 
small, depositor or borrower. In 
pursuance of this policy this bank 
has won the confidence of a dis- 
criminating public, which has long 
realized the fact that the suc- 
cess of a bank and the safety of 
the funds intrusted to it, depend 
upon an honest and judicious ad- 
ministration of its affairs. 



IF IT'S A QUESTION OF 
RELIABILITY 
The Bank is the most re- 
liable bank in this community. 
Its past record for conservatism,, 
the character of its officers, its 
assets of , all testify to its- 
strength and dependence. Cour- 
teous treatment accorded and ad- 
vice on financial questions cheer- 
fully given. 



FINANCIAL ADVERTISING 



71 



BOY'S 
DOOR 

SUCCESS 
is a, 

BANK 
ACCOUNT 




No 



GIVE HIM A START 



The hardest thing about sav- 
ing money is getting started. 
Our way of doing business makes 
it so easy to begin saving that 
no one really has an excuse for 
delaying. A deposit of two dol- 
lars will open an account in our 
savings department, and five dol- 
lars and upward will draw inter- 
est at the rate of — per cent, per 
annum. The beginning made, 
regular deposits will soon grow 
to be a habit, and one of the best 
ever formed. 



This shows wording and illustrations, 
but does not suggest manner of display. 



THAT BOY OF YOURS 

Is his future provided for? 
Did you ever think that a savings 
account, started now, might pay 
his way through college a few 
years later, or start him in busi- 
ness with a fair working capital, 
while the saving of a small 
amount each week wouldn't really 
affect you at all? 

Think it over and come in and 
talk with us. 



No. 395 

PROVIDE FOR FUTURE 
NEEDS 

A man with a family to support 
cannot afford to allow future 
needs to be wholly unprovided for. 
Live in the present as though 
you were a little poorer than you 
really are, and in the future when 
misfortune comes, you will be 
richer than you seem. A small 
sum deposited with this company 
to which additions are made from 
time to time will grow into a sig- 
nificant fund, bearing interest at 
the rate of — per cent, per an- 
num. Capital . 



This shows wording and illustrations, 
but does not suggest manner of display. 



HAVE A RESERVE FOR 
EMERGENCIES 

Don't depend upon your salary 
alone — that is only a temporary 
means of support and is liable to 
stop any time. Start an account 
in our savings department to-day 
— it will not only be a protection 
to you, but also will give you a 
standing in the business com- 
munity. 



72 



FINANCIAL ADVERTISING 




Xo. 4G 

Some men inherit fortunes, 
some get rich by plunging into 
a go-lucky business scheme, but 
the majority get up in the world 
by the old reliable method, viz: 
Industry, saving, push. These 
three methods properly applied 
to your business and financial in- 
terest will land you safely on the 
top round of the ladder of suc- 
cess. Open an account in our 
savings department, it will earn 
you — per cent, and put you in 
touch with forceful business 

methods. We afford you $ 

protection. 

This shows wording and illustrations, 
but does not suggest manner of display. 

START NOW 

Do not neglect to save a por- 
tion of each dollar you earn. 
If you do this, you have a bright 
future before you and the satis- 
faction of knowing there is plenty 
of money ahead for emergencies. 
Now, to-day, is a good time to 

start an account with the 

Savings Bank, where your de- 
posits will earn a liberal rate of 

interest for you. per cent. 

interest paid, compounded semi- 
annually on accounts of $1.00 
and up. 




No. 282 

The one sure way to have 
money is to save it. The one 
sure way to save it is by 
depositing it in a responsible 
bank. You will then be exempt 
from the annoyance of having it 
burn holes in your pockets, and 
aside from the fact that your 
money will be safer from theft, 
the habit of saving tends to the 
establishment of thrift, economy, 
discipline and general understand- 
ing of business principles essen- 
tial to your success. 



This shows wording and illustrations, 
but does not suggest manner of display. 



CERTAINLY YOU WANT 
MONEY— AND THERE IS 
ONE SURE WAY TO GET 
IT— SAVE 

Get the habit of saving and 
your future welfare and pros- 
perity is assured. Maybe your 
habit now is to spend too freely. 
You realize that it is a bad thing 
and would like to overcome it. 
Big fortunes had small begin- 
nings. Right here is where we 
desire to interest you. One single 
dollar constitutes the fund neces- 
sary to start an account with us. 



FINANCIAL ADVERTISING 



73 




No. 58 



No. 289 



The child's future is the most 
sacred duty of the parent. 

START THE BOY OFF 
with a bank account, and you as- 
sure him a successful future. He 
■will learn the value of money, as 
little by little his accumulations 
grow, and by the time he becomes 
of legal age, he will be years 
ahead of the average young man. 
Start his account with us with 
as little as you like, and let him 
watch it grow. And during this 
period, you will see the lad de- 
velop into a thrifty business-man 
— a good son to his parents — a 
good citizen to his country. 

This shows wording and illustrations, 
but does not suggest manner of display. 

" Paddle your own canoe " — 
that's one of the good proverbs 
and it contains the world of wis- 
dom. To paddle your canoe, you 
should have a bank account. It 
doesn't take much to start one. 



THE 



BANK 



will open an account with you for 
a dollar. It will allow you an in- 
terest of — per cent, on your 
deposit, and protect your money 
until such time as you may wish 
to use it. 



" FIX YOUR FENCE " 

Did you ever stop to think 
of the willful wastefulness in a 
crooked rail fence — how in its zig- 
zag course it uses up a vast 
amount of extra space without 
performing its functions as well 
as a straight fence? 

The moral here is ECONO- 
MIZE. If you've been wasting 
your money, remedy the evil by 
building a new fence — straight 
one — by opening a bank account 
in the 

BANK 

Here your money will accumu- 
late thro' your own thrift as well 
as by the — per cent, interest 
allowed on your deposit. 

This shows wording and illustrations, 
but does not sugges t manner of display. 

LOST DOLLARS LIKE LOST 

CORNERS ARE OF NO 

PROFIT 

Make a note of this. Don't 
lose sight of the advantages of 
our steel home safes, for they can 
help you add many a dollar to 
your bank account, and the pro- 
cess will not be at all painful. 
Keep one in a convenient place 
and drop in a coin whenever pos- 
sible. The dollars grow rapidly. 



74 



FINANCIAL ADVERTISING 





No. 450 



No. 351 



ABRAHAM LINCOLN SAYS: 

" You can fool all of the peo- 
ple some of the time, and some of 
the people all of the time, but you 
can't fool all the people all of 
the time." 

Neither can you fool yourself 
all of the time. If you are trying 
to deceive yourself into the belief 
that the future will take care of 
itself, you are making the mis- 
take of your life. 



THE 



NATIONAL BANK 



will help your future by receiv- 
ing you as a depositor, and will 
pay — per cent, interest on your 
deposit. One dollar will open an 
account. 



This shows wording and illustrations, 
but does not suggest manner of display. 



Lincoln made the best of his 
opportunities. Are you using 
your opportunities to save money? 
Here is an opportunity right here. 

Your money on term deposit 
here will earn for you the highest 
rate of interest consistent with 
prudent banking, namely, — per 
cent. Every account is handled 
with the utmost care and atten- 
tion. Ladies and children are as- 
sured of courteous consideration. 



On the £2nd of this month we 
observe the anniversary of the 
birth of 

GEORGE WASHINGTON 

He did things — do thou like- 
wise. 

Begin to " do things " with a 
bank account, and your future 
will be assured. 



THE 



NATIONAL BANK 



makes your deposit a gilt-edged 
investment by paying an interest 
of — per cent, on every dollar 
you have on deposit. You can 
open an account with a single 
dollar. Information cheerfully 
given. 



This shows wording and illustrations, 
but does not suggest manner of display. 



The integrity of George Wash- 
ington gave him a standing 
among mankind. To-day the 
man with money in the bank is 
a valued citizen. 

Are you careful enough with 
your earnings? What are you 
saving — really stowing away 
against a future need? 

We invite you to come in and. 
talk it over with our cashier. 



FINANCIAL ADVERTISING 



75 




No. 337 

NO MORNING SUN LASTS A 
WHOLE DAY 

Life at it's best is but a short 
period of time; and as most pro- 
vide during its productive season 
for the years of decline, sys- 
tematic saving cannot be com- 
menced too soon. The 

MERCHANTS AND 
MECHANICS BANK 

offers to savers the best of bank- 
ing facilities, invariable courtesy, 
convenient location and — per 
cent, interest on savings accounts 
— compounded semi-annually. 



This shows wording and illustrations, 
but does not suggest manner of display. 



THE DAY OF THE DOLLAR 
HAS DAWNED 

Wealth means comforts and 
friends. Poverty means want and 
despair. Store up your savings 
against the inevitable rainy day. 
Let us help you see the light. 
Come in and talk it over with the 
cashier. 




No. 449 

" Behold, the fool sayeth, ' put 
not all thine eggs in the one 
basket ' — which is but a manner 
of saying, ' Scatter your money 
and attention ' ; but the wise man 
sayeth, ' Put all your eggs in the 
one basket,' and — watch that 
basket." 

The humor of Mark Twain is 
full of common sense. Para- 
phrased, the above is, keep out 
of wild-cat schemes — put your 
money in a good substantial 
bank, where it will bring a rea- 
sonable interest. 



This shows wording and illustrations, 
but does not suggest manner of display. 



MARK TWAIN— now a man 

of wealth and fame — once felt the 
pangs of poverty. 

What about your day of ad- 
versity — has it dawned? Are you 
prepared if it should come to- 
morrow ? 

Save something. Deposit your 
savings in this strong bank — the 
interest will help the principal 
grow. 



READY-MADE DISPLAY ADS. 

[The following display advertisements will be found to be a great help to writers of 

Bank Advertisements.] 



NOT- 



what you eat — but, what 
you digest. Not what you 
read — but, what you under- 
stand. Not what you earn 
— but, what you save. 

Something to show for 
every effort spent. That 
is the one way — the ONLY 
way to success. 

Start to-day. $i will do. 
NAME OF ADVERTISER 



■^-■^^^•/^v^^^^^^j^j^^^^^j^^^^/W^'r^^^^v^v^^^^^^^n-^r'^wV^^^- 



SUCCESS 
BY PLAN 



Nothing was done without 
a plan. Have a plan to 
save! Try this!! Take 
every piece of change that 
you receive bearing a date 
in the '90's, and put it away. 

The results will astound 
you. 

You will acquire the 
habit of saving which alone 
paves the road to success. 

Let us show you. 
NAME OF ADVERTISER 







This is 

a BanK-Plus 

many things helpful in the 
conduct of legitimate business 
enterprises. 

Incorporated under trust 
company laws the company can 
act as trustee, executor or any 
other fiduciary capacity. 

All a firm's or individual's 
financial interests can be trans- 
acted under this one roof. 

Consultations invited. 
NAME OF ADVERTISER 


THIS THING 
WE KNOW 

For an investment or sale of 
real estate expert local knowl- 
edge is necessary. 

This thing we know. 

Our collective knowledge and 
perfected organization is 
ever at the service of all our 
patrons. 

Rents a specialty. 
NAME OF ADVERTISER 



78 



FINANCIAL ADVERTISING 



*<4<**<4 c 4<4<4 , ** ,: 4<4 



I WEALTH 
i IN SIGHT 



9 
9 
9 
9 
9 
9 
9 
9 
9 
9 
9 
9 



Real estate is the most 
tangible expression of 
wealth. You can always 
see it. It cannot fly away. 
It is the foundation of most 
fortunes. 

Our Real Estate Depart- 
ment can put patron.s in 
touch with many choice 
properties. RENTS A 
SPECIALTY 

NAME OF ADVERTISER 
Address of Advertiser 



*P>P>*>9>9>0i*,P>*> 



We Are 
Never Sick 



Never die — never abscond or 
never away when wanted. 

Compare this complete serv- 
ice to that usual to an indi- 
vidual in the matter of execu- 
torship. 

Then our trained service and 
collective knowledge is freely 
yours. 

NAME OF ADVERTISER 
Address of Advertiser 



With 
Your Wife 

Make this company your joint 
executor with your wife. 

It will save her worry, an- 
noyance and give her the com- 
forting satisfaction that all her 
affairs are watched by officials 
of wide business experience, ex- 
pert knowledge and trained 
judgment. 

Consultation invited. 

NAME OF ADVERTISER 
Address of Advertiser 



Private \ 

4 

Compartments 

When you rent a box in ♦♦• 
our Safe Deposit Vault — ■ ♦♦< 
you also have the use of a .1, 
private compartment for J 
the examination of your I 
papers or valuables. *f 



Every other facility in 
connection with an expe- 
ditious and proper trans- 
action of business is at 
your command. 

Box rent, but $3 a year. 

NAME OF ADVERTISER 

Address of Advertiser 



T 

T 
t 
I 
I 
I 



-»>♦♦>♦ 



FINANCIAL ADVERTISING 



79 



A MILLION MINDS 

Have pondered in admiring appreciation over 
these words of Destin inscribed three hundred 
years ago by the great philosopher-poet, who 
wrote : 

There is a tide in the affairs of men 

Which, taken at the flood, leads on to fortune; 

Neglected, all the voyage of their lives 

Is bound in shallows and in misery. 

Now-a-days, however, it generally holds true 
that one needs some ready cash if he would take 
advantage of these opportunities. They come like 
a glow in the night sky, as unexpected as radiant. 

Are you ready to grasp YOUR opportunity 
when it presents itself. 

Or have you faith to believe that it will wait 
around patiently, until you have had time to 
skimp and borrow and save the necessary dollars ? 

Better plan ahead a little and begin NOW by 
starting a savings account. There is nothing 
like being READY to better your position when 
the chance is afforded. 

One dollar is enough to open an account with. 
Come in to-day, while the subject is on your 
mind, and talk it over with us. 







"The Longest 
Way 'round 
is the Shortest 
Way "-to Wealth 

The short cut of 
speculation is 
strewn with wrecks. 

Start the sure way 
with an account at 
this bank. 

$1.00 opens an 
account and 3% 
interest makes 
it grow. 

SCRANTON SAVINGS BANK 


No Royal 
Road to 
RicKes 

Acquiring wealth is 
generally a " shoulder 
to the wheel " task. 

A savings account is 
the first and hardest 
" grind " — but the sur- 
est and safest method. 

$1.00 starts an interest 
account in this bank. 

NAME OF ADVERTISER 

Address of Advertiser 



80 



FINANCIAL ADVERTISING 



The Worry of 
Rents and 
Taxes 



There's no need for it. 
Our Real Estate Department 
handles most of the larger 
estates of the city. Perfectly 
organized, and managed by 
officials with experience and 
tried judgment, its services 
are infinitely worth more 
than the nominal fees charged. 

Rents a specialty. 

NAME OF ADVERTISER 
Address of Advertiser 



Bank 

For Ladies 



Situated near the shopping 
center and at a point where 
most cars pass — this bank is 
particularly convenient for 
ladies when shopping. 

A special room is here for 
their convenience and com- 
fort, and courteous officials 
ever ready to make the trans- 
action of business a pleasure. 

NAME OF ADVERTISER 
Address of Advertiser 



WKat's Money For ? 

" To spend," answers the facetious young man, 
who would have said if he interpreted his 
thoughts correctly — " to squander." 

The difference between SPENDING money 
and SQUANDERING money is just exactly 
represented by a savings account in a bank. 

We don't advise anybody to save money that 
he really needs to spend, but we do advise every- 
body — especially young men and young women 
— to SAVE whatever small portion of their earn- 
ings they are tempted to squander. 

It's an easy thing to do. 

You can start a savings account with one dol- 
lar, and half the hard work about anything is the 
STARTING. Think this over, arid make it a 
special point to come in and talk with us about it 

NATIONAL BANK 



Main and MarKet Streets 
SAFE DEPOSIT BOXES LETTERS OF CREDIT 



FINANCIAL ADVERTISING 



81 



Insurance 
Against Worry 

Jewelry, diamonds, heir- 
looms and other precious 
possessions entail worry — 
especially when kept in the 
house. 

Our safe deposit vaults 
are at your service for a 
mere nominal yearly cost. 
Built of armor plated steel 
and in electrical connection 
with police headquarters 
they are at once fire- 
proof and burglar-proof. 
No need for worry. 

NAME OF ADVERTISER 
Address of Advertiser 



THE BANK'S 
PEOPLE 



The shareholders of the 
Company selected the Direc- 
tors for their sterling integrity 
and high standing in this 
community. 

The Directors elected the oi- 
ficials for their wide business 
experience and intimate knowl- 
edge of local conditions. 

The Officials chose the em- 
ployes for their ability, their 
tried honesty and courteous at- 
tention to patrons. 

Business here is pleasure. 

NAME OF ADVERTISER 
Address of Advertiser 



■ft ■> ■**- ~- - ** 



Double Interest 

We give two kinds of interest — 3 per cent, on 
your savings account and our personal interest 
in your financial welfare and business effort. 
The latter may be worth ONE HUNDRED 
PER CENT, to you in the course of a year's 
time. 

Come in to-day and give us an opportunity to 
make your acquaintance. We would like to talk 
with you about the advantages of a savings ac- 
count, even if you start with but a dollar. 

It's the ACCOUNT that we are mostly inter- 
ested in, and the man behind it — not the amount. 

We invite your checking account, too. 

Blank City National Bank 



82 



FINANCIAL ADVERTISING 



"An oak is not 
felled with a 
single blow' 



Neither is solid 
wealth achieved at 
a single bound. 

Steady, systematic 
saving is the magic 
that will bring the 
only sure return. 
$1 starts it; 3% 
interest makes it 
grow. 

NAME OF ADVERTISER 
Address of Advertiser 



One Man's 
Earnings 
Never Make 
a Millionaire 



It is the earning power 
of money that makes 
men wealthy. 

It's the savings accoiMt 
that gives men the 
money that earns more 
money. 

It's the systematic sav- 
ing of pennies, nickles, 
dimes and dollars placed 
at interest that makes 
a good-size savings- 
account. 

$1 starts the ball rolling. 



SCRANTON 
SAVINGS BANK 



r 



If You Would 
Know the Value 
of Money, Try 
to Borrow — 



Many a " good fellow " 
needs just such a 
jolt to land him 
back on the right 
path. 

Then a savings account, 
however small the 
beginning, if steadily 
added to will lead him 
to financial indepen- 
dence. 

$1 starts an interest 
account. 

NAME OF ADVERTISER 
Address of Advertiser 




That is the amount 
of money you will 
have in this bank 
after depositing 
$10 a month at 3% 
interest, compounded 
semi-annually, for 
10 years. 

$1 per month or $20 
per month will grow 
proportionately. 

NAME OF ADVERTISER 

Address of Advertiser 



FINANCIAL ADVERTISING 



83 



When away 
from home 



There's satisfaction in know- 
ing that all your valuables are 
safely put away in a box in 
our Safety Deposit Vaults when 
away. Built of the hardest 
tempered armor-plated steel, 
with time locks and electrical 
connection with police head- 
quarters, they are absolutely 
safe till your return. 

Cost? $3 a year. 

THE NATIONAL 

BANK 



Success is 
a habit 

Our habits make us. 

We are creatures of habit. 
Whether we are a success or 
failure is a question of how 
we do things without thinking. 
To save is the only way to 
success. Therefore get the 
savings habit. There are a 
hundred easy ways. For in- 
stance: Decide to save all 
your pennies — all your dimes 
— or all your quarters. Some- 
thing definite. Something you 
can't avoid once the resolve 
is made. 

We can help you. 



THE 



NATIONAL 



BANK 



WELL ARMED 

A young man set out from here recently to 
take up his abode in a strange city, and in his 
pocket he carried the following letter: 

" We are pleased to testify to Mr. 

's excellent character and 

standing in our community. Two years 
ago he opened a savings account with 
us, and has added to it with noticeable 
regularity. We consider him a young 
man of sterling qualities, deserving of 
responsible employment and advance- 
ment. 

" Wm. E. Jones, Cashier, 
"FIRST NATIONAL BANK." 

Do you suppose for a moment that this young 
man will have any difficulty in locating himself 
advantageously in his new surroundings? Could 
he possibly have obtained such a letter, except by 
opening an account and giving us an opportunity 
to get acquainted with him? 

A savings account is helpful to any young 
man or to any young woman — helpful in more 
ways than one. Come in and talk it over with us. 



The 



National Bank 



84 



FINANCIAL ADVERTISING 



I Always Your Friend % 

It is a pleasure to assist our patrons in every- 
way possible — with reference to business matters X 
X as well as financial transactions. A depositor «§* 
«&j often finds that a recommendation or a letter of *|* 

t introduction from his bank is of greatest value. ^ 
You may be in a quandary over a contem- 
plated business change, or a real estate deal, or X 
X an insurance policy, or an investment, or the se- «§» 
A lection of a competent lawyer or agent. We are 4* 
«§» always appreciative of your confidence, and glad *i* 
«§» to confer and advise on any matter of importance 
4* to you. X 
T First time you pass this way drop in and have «|» 
X a talk with us about opening a savings account. *§*■ 
«§» Let us explain how much more it means to you & 
4* than you think it does. ^ 
4* You can start it with one dollar. X 

4» BLANK COUNTY SAVINGS & TRUST CO. t 

•«? <y "S "£% "f% "& "& "& "& S ?? & S ^ S ??> ^T "& "& "& "& "& *& "& & "& S "& "& & s 



PAYING 

BY CHECK 



Is not only the most con- 
venient, but the safest 
method. 

A returned voucher is as 
good a receipt as a re- 
ceipted bill, and often 
useful when the receipted 
bill is mislaid or lost. 

Open a checking account. 

NAME OF ADVERTISER 



For the 
Young Man 

who has shown ability and 
judgment in the conduct of 
a small business, we have a 
special regard. 

All our facilities, our ex- 
perience and collective knowl- 
edge is at his service. This 
is the business men's bank! 

NAME OF ADVERTISER 



SUGGESTIONS FOR SHORT TALKS 



FOR SAVINGS BANKS AND TRUST COMPANIES 



[Advertising writers for Saving Banks and Trust Companies will find 
many well-expressed suggestions in the following short talks. 
Extremely valuable in the preparation of newspaper copy.] 



HABIT IS SECOND NATURE 



So said the great general, Wel- 
lington, implying that actions re- 
peatedly done voluntarily, will in 
time be performed involuntarily — 
same as breathing, hearing or see- 
ing. 

It is easier to do a thing the sec- 
ond time. It is easier still to do it 
the third time; and so on. 

A path is beaten across the fields 
by constant footfalls. 

If a man decides on the right con- 
duct, and habits himself in the per- 
formance, success to him is sure — 
and what is more — easy. 

Right habits are great labor 
savers. 

By their aid we do things without 
effort — involuntarily. There is no 
delay for consideration or decision. 

Now, as the possession of money 
is the proper aim of reasonable men, 
habits for its accumulation ought to 
be acquired. 



Earning is easy — the battle is in 
the saving. 

To save by habit, then, is the end 
to be sought. 

Habit implies method — method 
implies a plan. Of plans to save 
there are many which in themselves 
may appear somewhat childish and 
simple, yet we know of intelligent, 
broad-minded men, who, knowing 
their weaknesses, have employed 
them to success. 

For instance, one man saves all 
his coins bearing a date in the 90*s. 
Another saves one dime a day. An- 
other saves one dime on Mondays, 
two dimes on Tuesdays, three dimes 
on Wednesdays, and so on to the 
end of the week. There are endless 
other ways which can be invented 
at will. 

The thing is to have a plan — and 
to follow it until it becomes a habit. 



TO SAVE IS NATURE'S WAY 



Go out to the country and shake 
hands with Mother Nature. 

Note her ways. 

How she orders things for the 
avoidance of waste and saving of 
energy. 

Watch the bee; how she indus- 
triously saves the proceeds of her 
toil for the future. 

Try to understand the ways of 



trees and plants, whose lives are 
such wonderful examples of the sav- 
ing of energy and reproduction. 

Man should save! 

There is no natural reason other- 
wise. 

The first law of nature is self- 
preservation — and to preserve his 
life and liberty — a man must save. 

It's easy, because it's natural. 



86 



FINANCIAL ADVERTISING 



HE GOT A JOB, BUT COULDN'T GO TO IT 



The lack of employment, follow- 
ing the recent flurry in financial cir- 
cles, has certainly provided the 
moralist with countless object les- 
sons in the value of Thrift. 

A case in point has just come to 
our notice in this city. 

A machinist of our acquaintance 
who, for the last fifteen years, has 
earned somewhere about twenty 
dollars a week, and had but himself 
and wife to support, was suddenly 
thrown out of employment last No- 
vember. 

Though an exemplary man so far 
as his conduct towards his neighbors 
and co-workers was concerned, he 
had never made an effort to save. 

Rocked into fancied security by 
the receipt of a regular and appar- 



ently sure weekly wage, knowing not 
real pains of adversity, his future 
seemed to him but a repetition of 
the past. 

Used to every comfort, and not a 
few luxuries, the sudden pinch of 
poverty plunged him into the black- 
est despair. Like a brave man, he 
looked around for further employ- 
ment, and, with a friend's assist- 
ance, procured a position some 150 
miles from home. 

But he hadn't the money to go! 

To the man with a good job and 
fair salary, these lines are addressed. 

To them we add this: Saving is 
easy — just a habit, as easy to ac- 
quire as the habit of waking, going 
to work, or receiving your pay. 
Get it! 



NOT WHAT YOU EARN— WHAT YOU SAVE 



Any person with health and ordi- 
nary intelligence can earn money — 
but all who earn will not, or cannot, 
save. 

There is nothing wrong in saving, 
that anybody need be deterred in 
that direction. 

Emphatically the reverse. It is 
the highest good. It is enjoined in 
the Holy Writ. Every man who 
left his mark on the history of this 
world commended it. 

Why do not all men save? 

We pause for an answer. 

Now, brother, or sister, when your 
work is done to-day, and you have 
a few moments' leisure in your chair, 



take a pencil and calculate thusly: 

1. How much you earn per week. 

2. How much you can live upon. 
Now balance the two sets of 

figures. 

If the cost of your subsistence is 
greater than your earning capacity 
— get a guardian. 

If your earning power is greater 
than the cost of your subsistence — 
put down the amount in big bold 
figures. 

Paste them in your hat, and when 
Saturday night comes round, deposit 
the amount in some good substantial 
Bank. 

Don't balk! Do it! 



WORRY— WOMEN'S GREATEST ENEMY 



Women worry — worry lest their 
bills cannot be promptly met. Worry 
lest their children be denied some 
comfort or aid to advancement. 
Worry in fear that they and their 
husbands will be left unprovided 
with comforts in old age. 

Women worry — because women 
are sensitive. 

Much of it is unnecessary and 
easily avoided. Comfort could re- 
place worry with just ever so little 
an effort to save. 



Even a dollar will start a savings 
account. Most all banks have Sav- 
ings Departments, and they are al- 
ways solicitous to .open new and 
small accounts. 

They know that their largest ac- 
counts were once small. 

The comforting satisfaction that 
comes from the possession of a bank 
balance is the only antidote to worry. 

It is the anchor of safety on the 
sea of doubt and adversity. 



FINANCIAL ADVERTISING 



87 



THERE'S MORE IN SAVING THAN MERE 

MONEY 



The fact that a man saves ; demon- 
strates to all the world, that he is 
decided, firm, persistent, unselfish, 
prudent, courageous, continent, — 
and much more. 

He has all the good, positive 
qualities. 

If he exercises them in saving, 
he will exercise them in every other 
act of his life. 

Oh, you "good fellows" and gen- 
erous spenders, how little you know 
of the philosophy of life ! 

How narrow is your conception 
of a good man ! 

To spend unnecessarily — to waste 



■ — implies weakness, selfishness, 
cowardice, fickleness, — and much 
more. 

It implies every bad negative 
quality. 

If they are exercised in wasting 
money, they will be exercised in 
every other deed, performed or 
shirked. 

A waster is an enemy to his fel- 
lowmen — to his family — to himself. 

Saving is the supreme test of 
character. The one act that com- 
pletely proves a man's self-abne- 
gation and manliness. 



THE FIRST $1,000 



The recipes for success handed 
out by the various millionaires differ 
in many ways, yet in one they all 
agree. 

It is this : That the first thousand 
dollars of their money was the hard- 
est to get. After they had accumu- 
lated that amount the rest of their 
vast wealth came easily. 

Their money — out at interest — 
made money. 

They denied themselves some of 
the little luxuries that were not 
necessary to their well being — and 
now practically "the earth and full- 



ness thereof " are theirs, and they 
are correspondingly happy. 

It may then be inferred that a 
man who has the determination to 
save a thousand dollars is well on 
the way to a million. 

Mind, we say a man who has 
SAVED a thousand dollars — not a 
man who has been given or has in- 
herited a thousand dollars. 

There's a difference ; for the man 
who has saved, has proved that he 
possesses a character steadfast, pru- 
dent, and courageous — qualities that 
always win in the battle of life. 



ARE YOU READY FOR OPPORTUNITY? 



Was there never a time in your 
life when a thousand dollars would 
have been a veritable God-send? 

Some opportunity that would have 
led to Fortune — with but a little 
capital required? 

Perhaps even five hundred would 
have done. 

Many a rich man started with a 
dollar — and to-day, with Savings 
Departments in most every bank, 
the opportunities are greater than 
ever before. 

Reader, we say to you: be a man 
of character. Cultivate decision. 
There's no better time than now. 



You may have had as much — but 
you let it fritter away. 

Don't be disheartened. The man 
who said that opportunity knocks 
but once at a man's door — told a lie. 

Opportunities come — any time we 
look for them. 

They come oftener the more we 
look. 

The thing is to be ready to grasp 
her hand before it loosens the latch- 
string. 

To be ready — you must save. 

Better begin now. Every Bank 
in town has a Savings' Department, 
and one dollar is enough to start. 



88 



FINANCIAL ADVERTISING 



WEALTH IS MORE THAN MONEY 



The chief aim of human effort is 
the attainment of happiness. 

To say that money has nothing to 
do with happiness is mere twaddle. 
The facts of every-day life show us 
all too plainly that money rightly 
spent is a blessing. 

The desire for wealth is both nat- 
ural and legitimate. It is the am- 
bition of a healthy, well-balanced 
mind. 

It is true that money alone does 
not bring wealth, but in the process 
of acquirement, or the effort to save, 
good new attributes are born in the 
minds of men that endow their 
characters with a .wealth beyond 
count. 

For a man to save a part of his 



earnings shows that he has got a 
sound, healthy grasp of the true 
meaning of wealth, and that he un- 
derstands the philosophy of life. It 
displays tlie power of restraint over 
the grosser longings for pleasure or 
the will power to sacrifice present 
self for future security of his family. 

It demonstrates a manly persist- 
ence, and the possession of a true, 
wholesome self-respect. 

Wealth? Where is there a wealth 
like unto a true manly character? 

After all, saving is only a mo- 
ment's effort. Persisted in a short 
while it becomes a habit. Later it 
becomes a pleasure. 

There's no need to be ashamed 
of starting with a little. 



DON'T HOARD YOUR MONEY 



From a daily paper: 

"A shocking double tragedy oc- 
curred last night or early this morn- 
ing in a house on East 14th Street. 
The victims were an old man and 
his wife, Mr. and Mrs. John Peter- 
son, who jointly conducted a small, 
misfit parlor. 

The evidence is all too plain that 
robbery was the motive for the out- 
rage. Both bodies were found hud- 
dled together in a corner of the 
bedroom. The man's head was al- 
most severed from his body, and the 
wide, clean cut gashes in his throat 
prove that some sharp instrument 
was employed to do the deed. The 
woman's face was mutilated beyond 
recognition, and her arms and hands 
bore traces of a terrible struggle to 
save her life. Her death was due 
to loss of blood, for none of the 



wounds in themselves reached a vital 
place. 

The mattress of the bed had been 
ripped open, and a few coins and 
one torn $1.00 bill showed all too 
plainly the motive of the murder." 

That's another to the long list. 

When will people realize the folly 
of hoarding their hard-earned sav- 
ings in their homes. There's banks 
a-plenty, convenient, accommodat- 
ing, aye, even solicitous, to keep 
money safely and, in addition, pay a 
goodly interest for its use? 

It passes all comprehension that 
such as the above can happen in 
these days of publicity and enlight- 
enment. 

Hoarding is not thrift. Saving in 
itself is not thrift. Thrift is the 
placing of your savings where they 
can earn the best and surest interest. 
What better place than a bank? 



FINANCIAL ADVERTISING 



89 



ALL FINANCIAL BUSINESS DONE IN ONE 

OFFICE 



Trust companies are multiplying; 
because business men are beginning 
to realize that all their financial busi- 
ness can be transacted under one 
Toof. 

A Trust Company is a bank, and 
much more. 

An institution incorporated under 
trust company laws has power to act 
as trustee, executor or in any other 
j udiciary capacity. 

How advantageous this is, may be 
judged when we consider the many 
limitations for usefulness in the in- 
dividual trustee or executor. 

When good fortune has aided in 
the selection of good, honest indi- 
viduals for such offices, there are a 
hundred and one things liable to 



happen, which disables them to act. 

They may die. They may be 
sick. 

They are liable to be away from 
home just when wanted. They are 
liable to meet all kinds of misfor- 
tune, for they are human. 

All this, of course, with good luck 
in the selection. What when a bad 
selection is made? 

Now, compare all this with the 
manifold advantages of a Trust 
Company's services. 

It cannot die, is never sick, never 
away from home, and cannot ab- 
scond. 

It can give the benefits of col- 
lective knowledge and experience, 
and much more. 



THE MAKING OF A WILL 



The first obligation resting upon 
an owner of property is the making 
of a Will. 

Everyone knows the difficulties, 
perplexities, and often injustice 
wrought for the lack of it in the set- 
tlement of an estate. 

The making of a Will is an im- 
perative duty. 

In the making — the greatest con- 
sideration is in the selection of an 
executor or trustee. 

The requirements for the perform- 
ance of this serious duty are ability, 



integrity, experience, sound judg- 
ment, and much more. 

Usually, a competent man is un- 
willing to act. He knows that set- 
tlement of any estate requires ex- 
treme care, and knowledge of the 
law, and that any slight neglect on 
his part may mean loss to the estate. 

The only rational way is to make 
a Trust Company your executor, 
and indicate the manner in which 
your property and effects shall be 
distributed. 

It's their business ! 



TO MOST WOMEN BUSINESS MEANS 

WORRY 



This is especially true at a time 
when death has taken away her 
natural protector. Sorrow for the 
great loss sustained is sufficient 
trouble, but when the worries usual 
to the settlement of a man's affairs 
are added — the load is often beyond 
the strongest. 

If a man, in the making of his 
last testament, will but name a 
Trust Company Co-executor with 
his wife, all this can be avoided. 

The collective knowledge of the 
officials, their wide experience, and 



proved integrity, are at her disposal. 

It is the business of a Trust 
company to serve as executor, while 
an individual executor has his own 
business to manage. 

The Trust Company has a per- 
petual corporate existence. 

Its entire resources are liable for 
the faithful performance of duty. 

Every trust security is kept sepa- 
rate and distinct from other funds, 
or the funds of the company. 

The Trust Company is the wid- 
ow's friend ! 



90 



FINANCIAL ADVERTISING 



A TRUST COMPANY IS AN ECONOMICAL 

EXECUTOR 

great number of estates, the best pos- 
sible ability and sound judgment can 
be afforded. 

Further, the cost of a bond from 
a surety company for an individual 
executor is an additional charge on 
the estate, not necessary when the 
Trust Company acts. 

Again, if the individual trustee 
dies, his successor is entitled to an- 
other commission. 

Once again, personal element is 
entirely absent when a trust manages 
an estate, which may mean much in 
fair and economical administration. 

Trust the Trust Company ! 



In the administration of an estate, 
there is the spending of much money. 

Lack of experience, faulty judg- 
ment, inattention to details, may 
mean a wasteful or an unwise ex- 
penditure. 

A Trust Company is the most eco- 
nomical executor. 

Its compensations — fixed by law — 
are the same as those of the individ- 
ual trustee; but in the handling of 
an estate, the services of men of 
great ability and experience are em- 
ployed at small cost to the individ- 
ual estate. 

Because, in the management of a 



THE PERSONAL ELEMENT HAS NO PLACE 

IN BUSINESS 

Thus it goes. 

Friendships broken or trusts mis- 
managed. 

Compare this to the impersonal, 
business-like methods of a Trust 
Company. 

Its offices are always open. Ac- 
counts are accurately kept, and 
promptly referred to. 

Experienced officials are abso- 
lutely impartial in the administra- 
tion. 

Its entire resources are a guaran- 
tee of faithful performance of duty. 

Its existence is permanent. 

Such advantages only require to 
be known to be appreciated. 



Like oil and water, business and 
family affairs don't mix. 

A man may die and make his best 
personal friend his executor. 

He (the executor) may have the 
best intentions, but his own business 
demands his first attention. 

He may be away just at a critical 
time. 

He may not give those interested 
any definite information as to the 
condition of the estate. 

It becomes embarrassing to insist 
upon a statement. 

A suit for accounting may be ab- 
solutely necessary, but friendship 
stands in the way. 



YOUR EXECUTOR MAY NOT BE KNOWN 

TO YOU 



A man's friends are usually of 
his own age. 

He usually makes a friend his 
executor. Imagine a man dying at 
sixty and leaving an executor of 
about the same age. 

The executor may die at any time. 
Even if he lives, old age unfits him 
for proper administration. 

But supposing he dies, another 
executor is appointed whom the tes- 
tator didn't know. 

Compare this to a Trust Com- 
pany's executorship. 



It has a permanent corporate exist- 
ence, and is sure to outlive the exe- 
cution of any trust. 

It is never incapacitated through 
sickness, for the officials are neces- 
sarily chosen for their fitness for po- 
sitions of trust. 

They are sound in judgment, able 
and experienced in administration. 

Always at their post, and alert for 
the best interests of their trusts. 

A Trust Company is here to-day, 
to-morrow and all the time. 



FINANCIAL ADVERTISING 



91 



ACCUSTOMED TO LUXURIES LEFT DES- 
TITUTE AND HELPLESS 



Another case of misappropriation 
of trust funds is now claiming pub- 
lic attention. 

To our readers the details are al- 
ready familiar. 

There's a moral to be drawn, how- 
ever, from the distressing episode, — 
and we cannot hold it back. 

When a man makes a Will — he 
indicates how his property is to be 
distributed after he is dead. 

He also names those who must do 
the distributing. They are called 
executors. 

The choice of executors, therefore, 
is a serious matter. 

The executor must be possessed of 
every good moral quality, and a suc- 
cessful business man. Such a man 



if found, often will not act. He's 
too busy. It's not fair to ask him 
anyway. 

There are, however, concerns who 
make a business of acting as execu- 
tors. 

They are called Trust Companies. 

They have capital and surplus to 
guarantee faithful execution. 

They are under jurisdiction of 
State Banking Examiners. 

Their management is the combined 
wisdom of a number of able finan- 
ciers, and they have a reputation to 
guard as jealously as their capital. 

The moral is: Let people attend 
to your business who make a busi- 
ness of doing it. 



SENTIMENT IS 

From a moral standpoint the 
guardianship of the estates of 
minors, or of those of weak or un- 
sound mind, is the highest form of 
trust. 

The principals are helpless, and 
cannot ask for or understand an ac- 
counting. 

To appoint near relatives as 
guardians appears the safest way to 
do — from a sentimental viewpoint. 

But sentiment has nothing to do 
with business. 

Relatives are disposed to regard 
the property of their wards as be- 
ing "all in the family," and as a 



NOT BUSINESS 

natural consequence get things rather 
mixed up. 

Guardianship is a business. 

Trust Companies are chartered by 
law for that purpose. 

Their management is subject to 
examination by the State Banking 
Department. 

Their capital and surplus are a 
guarantee fund for a just and faith- 
ful guardianship. 

They have a reputation for skill 
and fidelity to maintain to keep the 
public confidence. 

They are the best protectors of 
the helpless. Because they make a 
business of doing it. 



EDITORIAL TALKS ON 
MONEY MATTERS 



[Contemplated to be used on the financial page of newspapers, to 
enhance the value of the Bank and other Financial Advertise- 
ments, which should surround these " Talks." See pages 104-5.] 



FINANCIAL ADVERTISING 



95 



-■/'-..:'-- 




Copyright, 1909, by William Borsodi, New York 

Thursday, June 1, 1909 

Modern scientific banking has made possible the 
tremendous commercial developments of the last few 
years. 

BANKING for the loaning of money has been carried on 
for many centuries. Gradually its adaptability for other 
purposes dawned upon financiers' minds. It was in 1401, 
at Barcelona, Spain, that the first bank was established for the 
receipt and care of deposits by private merchants. 

Rome was not built in a day, nor was the magnificent and 
scientific banking system of the twentieth century perfected in 
a lifetime. 

The telegraph and the telephone have truly revolutionized 
business, but the enormous and world wide expansion of trade 
could not have taken place but for banking as we know it now. 

To-day it is as easy for the merchant in our own town to 
buy and sell in Chicago, New York, San Francisco, England, 
Australia, China or Japan as it is to deal with his next town 
neighbor, because of the marvelous and perfect exchange ar- 
rangements of the banks. 

And what an influence this has been towards the civilizing and 
broadening of men's lives ! 

But the idea we now want to impress upon our own people 
is simply that they are really not considering their own best 
interests if they fail to have a banking account. 

It is the modern, time-saving, safe and satisfactory way of 
handling your money and of paying your bills, even if the entire 
month's transactions amount to but a few dollars. 

And, remember, so long as your cash is lying about the house, 
in your pockets or in your bureau drawers, tucked away under 
the edge of the carpet, or hidden between the leaves of books, 
just so long are you losing a little every once in a while. It 
may be stolen, it may be burned up, the children may destroy 
it unintentionally. 

But when it is in the bank it is absolutely safe, and it is earn- 
ing interest for you all the time. 



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96 



FINANCIAL ADVERTISING 




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Copyright, 1909, by William Borsodi, New York 

Monday, June 5, 1909 

" There is a Tide in the Affairs of Men which 
Taken at the Flood Leads on to Fortune " 

MEN are the same to-day as they were in the times of 
Shakespeare. 
But the opportunities are a thousandfold greater 
now. 

Fortune is fair and square. She gives us all opportunities. If 
we make good use of them, she comes again and again. 

And the man who has cash in the bank will surely have his 
opportunity to turn it into profit. 

It's the percentage of profit that counts. 

Ask any gray-headed failure, and he will tell you he had his 
chance, but was not ready for it. He didn't have the little 
ready cash needed to lay the foundation for fortune. 

He was like too many young men and women of to-day who 
would rather have a " good time " than save a little each week 
for a rainy day. 

And the only way to be ready is to save all we can of all 
we earn. 

But saving is not all. Savings must make money for us. 
We must deposit them regularly in the bank. 

The bank is the only place where money will earn interest all 
the time and be ready for you at any minute. 

Remember, you can draw your money out of the bank in- 
stantly, no matter where you may be, and you get all the interest 
it has earned for you. 

From our own experience and that of others, we can tell you 
that it is of the utmost importance that everyone should have 
a bank account. The amount you deposit is not the point, it's 
having such an account. 

A dollar will do to start. Don't put off until you have more. 
Add what you can each week. The interest will accumulate 
faster than you dream of, and then when your opportunity 
comes, as it surely will, you will have the cash to take advantage 
of it. 



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ue :tira jrnb would tiacalled "dangerous. i3 the conger eel. ■ l'lm 
i"'" Vj h nB8 never eaexperieneed sea llshernjan takes carer to 
t ^» - - ■ s ' y ett tberjfcill every laoje conger as soon a3 it isbrflugbi 
^iDctfSj^ ; £ora Af^»"v»At<^ljftJ«*t-— I6a_S! 



An acquaintance of the .•writer,: as a da? 
marine.Jofllner, fishing in. a snjaH.boaVofirdly o( 
SerrBU<ija.ihookecl.ono of these flsh, but as.st net ■ 
soon asji^^-oatman saw the hideous heade'ssrei 



FINANCIAL ADVERTISING 



97 




Copyright, 1909, by William Borsodi, New York 

Tuesday, June 6, 1909 
The Banker is the Business Man's Friend and Counsellor 

NOW and again things bother you. Maybe you are not 
sure of your own judgment. 
You would like to talk it over with someone. 
It's an unusually important transaction, for you. 
The legal aspects are not what trouble you, or you would 
go to your lawyer. 

No, what you feel the need of is friendly counsel, to talk it 
over confidentially with someone in whose judgment you have 
confidence — someone who understands business. 

The man to whom you should go is your banker. 

No one else, as a rule, has the opportunity to know so much 
about business, about finances, about investments, about trans- 
actions of every kind in which buying and selling form a part. 
The banker has the advantage of knowing, not only local con- 
ditions, but has a. broad and comprehensive grasp of general 
conditions throughout the country. His advice is peculiarly 
good and desirable for men just starting in business. 

All the banker's ability ; all his capability ; all his experience ; 
all his knowledge, his shrewdness, belong to the bank, and are 
for the use of his bank's clients. 

Consult him confidentially and in a friendly way. Don't take 
up too much of his time just because his advice costs you nothing, 
but, if you have any business proposition in hand on which you 
are not sure of your ground, don't hesitate to talk the matter 
over with him. It will not only be an immediate benefit to you, 
but it will give the banker an opportunity to know you better, 
and it may stand you in good service after a while, when, per- 
haps, you may want to borrow money from the bank. 



?h oonstitutinThe other British fish which can be truly, 
cmb would hacalled* dangerous is the conger eel. The 
.has never caexporieneed sea flshertoan takes care to 
ers, yet therfcilleveryiarjteconarerassoonasitisbrougnt 



. ■ .. . .. , __„- . r ^ n 

An acquaintance of the ^writer, %'adai 
marine officer, fishing in a small boat offrdry-oc 
Bermuda hooked one of these fish, but asst net ' 
soon as^Jy^^oa-tman saw the hideous heads aje i 



98 



FINANCIAL ADVERTISING 




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'insisted 
>, The 
Jed the 
■f com- 



rmany, 

>!. The 

ycl was 

Ninifc the 

"carry- 

' always 

(ctorla, 

fdy - — 

«n favor 

ote this.', 

4 whip- 
e Queen 
Bin her- 

touchy 

.stature. 

f ,r!ner the 

the car 

j soon a 

I 

> King?" 

,'t to her 

lial t:.-iy 

iing, his 
jnto the 
' the . car 

-, a tem- 
;ense of 

<1 Baron 

* for the 

^ man to 

'■ intment 

that the 

iie post, 

ving irri- 

cing proof 

:hen. asked 

whom his 

« eppoint- 



like." 
; smile, 
ssue the 
ajesty in 
and well 




Copyright, 1909, by William Borsodi, New York 

Wednesday, June 7, 1909 
A Bank Account gives a Man Standing in the Community 

IT brings him more and more into touch with men of stand- 
ing and importance. 

It unconsciously impels him to take a deeper and a wider 
interest in the affairs of his own town, and develops in him a 
wiser and a broader view of the questions of the time. 

It stamps him as a man of judgment, of ambition, and de- 
termination to get along. 

A bank account is property, and ownership develops the neces- 
sity and the wisdom of keeping better guard on one's acts and 
speech. 

Ownership makes one conservative. 

A bank account makes a man a better citizen. 

These are facts wholly irrespective of the size of the account. 
The idea and benefit are in having an account at all. 

Thousands of new people open bank accounts each year, but 
there are still many intelligent, thrifty men and women who are 
not depositors at all. 

With many it is simply a lack of appreciation of the fact that 
the bank is absolutely safe, and, for them, profitable. 

The Bank is safe because its assets are so much greater than 
its liabilities. 

Because its affairs are conservatively, wisely managed, by men 
of honor, integrity and experience. 

Men, you know. 

It's safe for many other reasons that will occur to you. 

The bank is profitable for you largely because its funds are 
placed at good, fair, rates of interest. 



ut&u'ie " la 
!iJg$Sf>Mir r 

MtfJidet^ 

]'■' "i 
bo 



sllll 

by gl.-Mlig 
box on th 
K Some <\ 
toria (o i 
Aciignnesi 
she wilt 1 
"would 111 
■ TheroJ 
:reoails an 
Th« >-o 
august jtij 
in garnie 
Sovilie;. 
tradition 
agar En 
of i'ury i 
with bifj 
Serfs n J 



resultec 



^co J l'»c^ll/•- "Mrs*-* 



l," ■ "■.._ ... i . ' . . — ■ -^—^ .. . .. . ., 7— ss 

5h cohstitutinlThe other British fish' which can be truly: 
b would huealloi dangerous is the conger eel. The 
as Devercaaxperienced s*a flaherhian takga_caEe : £0 



'"V-" 



1 







Au v acquaintance of -the writer, .**.'» oV 
marine officer, fishing m a snull bu> 
BerJirudB^Jiooked one of. these fl»ri,'bi^fe^^|&t 




FINANCIAL ADVERTISING 



99 




Copyright, 1909, by William Borsodi, New York 

Thursday, June 8, 1909 
" The Fool and His Money are soon Parted " 

THERE is no misunderstanding this quotation. It is short 
and to the point. 
It hurts. And yet it is so true. 

Let's say the foolish, good-natured, instead of fool. But yet 
it means more than that. It means the spendthrift. 

It means the man who, so long as he has a dollar in his pocket, 
can't resist the temptation to spend. 

As we go about we see so many things we want to buy. The 
love of buying is a thousand times more prevalent than the desire 
to have, to hoard, to own. 

As a matter of fact, it would be better for the world if we were 
more miserly than we are. 

Unless a man's mind is unbalanced, it is difficult to prevent 
him spending his own money. 

But there is a way that such a man can help himself. 

As soon as you get your weekly wages, or salary, or drawing 
account, or in whatever shape it may come to you, know just 
how much of it you can get along without, and put that much 
immediately in the bank. 

If it's in your pocket you'll spend it. If it's in the bank, 
ten chances to one you'll leave it there. 

The simple, little fact that in order to use the money that's 
in the bank you have to sign a check saves the money for you. 

You leave it there. 

This is peculiar, but it's like the man who keeps his silver and 
pennies in one pocket and his paper money in another. He spends 
the coin freely, but he doesn't like to " break " a bill. 

Use the bank. That is what it is for. 

It is to help you to save ; to help you to accumulate an inde- 
pendence ; to enable you to have the cash ready, some fine day, 
when your opportunity comes to buy a home, a business, or 
something for your family as well as yourself. 

And money in the bank is working, working all the time, ac- 
cumulating interest for you. 



j?& couatitutjioTiie other- British '."fl&h^Meh can be- r-ruH'j .' A^.'vaeqp.auii:&nce of t 

fm!i : r,wojiI(i.^i,j ailed 4 .; ,->..■•: era us is: tiki- fcena'-.r csl: . jTrs ! terras. .t>facer, : fisiiiap- to ..a,.-,, 
I ' ->S Devor -ci&xperjancsdf'&K ' -feheirinaii [a;-« d-i.ft ; .- !'I- -T2UU,i 'icolic" 03s tv. ';;-:V - 
fig,' Vet therifcillreve— large conger as.soon 23 it isSjfought .a&on isJ>^~<o^Ujj4n_Sw ths WtisoXj! 




100 



FINANCIAL ADVERTISING 



1 Queen 

Jtult re- 
hat Ker 



j whip • 
(Queen 
i her- 



ding?" 
: to her 
W tiny 



i Uaron 
Uor the 




Copyright, 1909, by "William Borsodi, New York 

Friday, June 9, 1909 
" I oxce much, I have nothing, I give the rest to the poor " 

THINK of that for an epitaph! 
If there is any respectable man in all our broad land 
who would wish such lettering on his tombstone, probably 
the sooner he is under it the better. 

Debts are legitimate when they are incurred in the daily trans- 
actions of business. 

Credit is a privilege any and every self-respecting, respectable, 
honest man is entitled to, and is gladly given. 

To have nothing is understandable, but to glory in willfully 
piling up debt when you know there is no possibility of your ever 
paying back is disgraceful, deceitful, and dishonorable. 

And such a legacy to leave behind! Forcing others to do our 
duty, to cripple themselves perhaps all their lives to pay for our 
shortcomings. 

And there is so little need for one to die in debt. 

Seeking a short road to wealth is generally at the bottom 
of it. 

We cannot accomplish in a day what in reason must take 
years. 

We cannot all be wealthy, but we can be thrifty. 

The great crime of to-day is the seeming determination to 
spend all we make ; to spend twice as much as we can. The 
abuse of credit. 

The great commerce of the world to-day is done largely on 
credit, it is true, but — and this is the point so persistently lost 
sight of — there must be always a basis for credit, and this is 
why banks lend money only to their depositors. 

Let us suppose a case. As a young man you must start out in 
a store. You work long and faithfully. You stick to it through 
thick and thin. Each week you set a little by little in the bank, 
perhaps with no object in mind but to save. 

The proprietor is getting along in years. He hasn't said 
very much, perhaps, but he has watched ; he has thought. He 
doesn't like to see the old name go down, and yet sees the need 
of young blood; he offers you a partnership. 

You put in new zeal, and the business grows. Gradually you 
do all the work, and naturally you want all the name. The 
proposition is made, but it takes cash. 






. Her, M aft 
a quiet Ian? 
a tinker bo| 
'attended;' 
dog's res 
side ahtf'j 
anirrtaU;-i 

The, fob 
ir>R dov , 
left qff fii 
rot eon 
?.ct-l.\iu& 
by Riving 
box on t: 

Some:; : 
tori'a tots' 
Hishnea-s 
shoAviH a 
would lili 

Th'e're'cJ 
reoiiljsMH 

'His ypiif 
august: aunt 
in ffarjnenf 
Sovi(le. Ifoj 
tradition / 
aeer Enipfl 
r fii'& shA 
.■ith'tjjjittia 
er fan she/ 
i h i m V,yjfnd 
t i VuUncidf 
« h thei 
resulted f 
-temper ar 
therriselvej 

The Pri 
fo be pre) 
but before 
(ho Crowt 
on th$ sp; 
■Prince 1 
officials' 
mantled th) 

Another^ 

$&®&? 
tfiafiggg* 

fulllgnd 

imperial ' 

ii.jTs.bn" vi, 

TjHpqtM 

rouseo* tha 

WKejSjahaf 

had 'been/ 

of |||eB £ 

ndiffiiant) 

ping: M 

30 . fi(rlou 
self." 
, King T 
■on/the'sUi 
One .day 4 
car 'brokd 
to watch 
crowd eta 
■ A ..worn! 
On I his 
she ttfasp 
little mart' 

Tho' sfs 
face . pufg 
car! and I/ 1 
started a'a 

The Ka 
per, but'V 
humor of 

r.cei tidier* 
Ime.SoW 
whom he; 
to be' give; 
mati Vaa/ 
and in spit; 
tatiu'n, hepi 
of i he man; 
f tl'iove i$ 
Majesty to" 
tneoj",.;. / 
0!h|tco| 

1'fh» Mini 
."Shall ,| 
r.'.-rfeht, to? 
the ustialc, 
UfioTed ciA 



FINANCIAL ADVERTISING 



101 



juchy 
itufe. 
» the 
e car 
jooq a 

IKing?" 
tto her 
fet tiny 

Ag, his 
ito the 
|he car 

\ 

ft tem- 

hse. of 

Baron 

»r the 

flan to 

jtraent 

/at the 

p post., 

Dg irri- 

V proof 

\asked 

in his 

Voint- 



You have your bank account, but It isn't large enough. 

Someone tells you to talk to the banker. You straightfor- 
wardly state your case. The loan is made, and the business is 
yours. 

The very fact that years ago you opened an account at the 
bank, and kept adding to it little by little, established your 
credit with the bank, and enabled you to get the loan. 

That is the history of thousands of successes. 

It doesn't mean that every one with a bank account can bor- 
row from the bank, but it does mean that a bank account is 
an evidence of responsibility and of integrity, and that an ap- 
plication for a loan from such a depositor will receive the very 
careful consideration of his banker. 

And it also means that the man who follows the spend-all-as- 
he-goes plan is doing his best to make his future progress slow, 
hard, a failure. 



>le. 
i the 

sty in 
d well 
^jncillor 



h cohstitutinTho other British flsh whioh can be truly 
oib would hacalled 'dangerous, is ;the co'nger.'.reel. ; The 
as never caexperlenced sea 8shertean takes* care to 
yet therjfcill every iaroe conger as soo^a^jt is brought 



An acquaintance 
marine officer, flshin 
Bermuda .hooked one 
soon ae his hoctroaa 



of the "writer, &g 'a dar B 
in a small boat oBVdly oi\ 
of these fish, but ass& not 
iw the hideous headb Rre.ij 



ed^uK.jvS'-' 1 - 



-•>'-• ; 



102 



FINANCIAL ADVERTISING 



'A story 
fi'Queen 
jult re- 
^h at her 

tart in 

!e upon 
■as un- 
to tho 
I road- 
owling 

V bear- 
jnanner 
faueei}, 
patbipK 
Jan end: 
lunding 

r-- Vic^ 
It royal 
h." All 
^mother 

vereign 

on his 
jinartly 
I cut in 
mental 
* Dow- 
It burst 
jnperor 
ng up 
baling 

/lection 
euv-res 
ng- his 

getting 

(train 
(dbne> 

yuow 

ilsted 
The 
the 
{cbm- 

nany. 
The 
-was 
«ib the 
,fcarry- 

llways" 
ptoria. 

|y 

I favor 
te t,hia 

( . whip- 
. Queen 
1 her- 

louohy 
yiture. 
Jig the 
he car 
Boon a 

|King?" 
/to her 
jat tiny 

*g, his 
(to', the 
pe car 

'a tem- 
nse of 

1 Baron 
<for the 
iman to 
jntment 
that (he 
tie j)ost, 
jing irri- 
par proof, 
en asked 
\om his 
eppoint- 



' smite, 
•sue the 
jesty in 
find well 
BOUncillor 




Copyright, 1909, by William Borsodi, New York 



Monday, June 12, 1909 

The Magic of a Bank Account 

THERE are so many desirable features about a bank 
account that it seems almost an insult to our readers' 
intelligence to print an article on the subject — very 
much the same as though we were to remark, solemnly, that 
water is wet. 

But just as there are some people who do not appreciate how 
very wet water is until they fall into it, so are there people who 
could easily maintain a bank account, but who do not do so 
simply because they do not realize the value of it. 

Getting interest on your money isn't the whole idea — it's 
only part of it, and the smallest part at that. A savings ac- 
count sends the blood to a certain group of brain cells that 
create in you, by their healthy action, the ability to weigh the 
value and appreciate the power of every dollar that comes into 
your hands. In other words, a savings account makes you 
think a little bit more about money, and a little bit less about 
the tempting opportunities for squandering it. 

After you once start a savings account you find, with 
some degree of sui'prise, that it is actually a pleasure to add to 
it — not because the " habit of saving " is getting a hold on you, 
but because you have been doing some thinking, and begin to 
see what a fool you were formerly, to let a smiling but greedy 
world separate you from all of your money as fast as you 
earned it. 

The world's smile is not of the brand that " won't come off." 
Just go broke once, and then start to count the smiles on your 
fingers. When you have " finished " you will find a couple of 
tightly clinched fists sticking up before you, same as when you 
began. 

So, therefore, it becomes an uplifting satisfaction to keep, for 
yourself, a little of your own money — by putting it away regu- 
larly in a savings account. It's the right way, morally and 
legally, of getting the best of the fellows who are all the time 
scheming to get the best of you. 

And there is another thing about a savings account that 
exerts a decided and favorable influence over your life and your 
business affairs — the benefit derived from the acquaintance of 



pf votes .: 

lAtJignanti 
-:>Ladyi 
Mi.. It| 
to, fljrlou! 

jejf ;"■••:.. ■: 

)!i Um.'suf 

3»e day \ 
: 0r brokej 
{&'. watch/ 
Srpwd gajl 

£X worhft 
On bis S«L 
ih'p ^rasp^l 
little' man] • 

J The sp, 
fe.ce - purp 
car- and ai 

started agj 
The^Katf- 
per, but e 
humor oft<\ 
.A. short-'' 
I.Bo"rt,icheA 
-ipi erior, a 
'y.'nom -he; 
,be give 
man was. 
and in spit 
taiion be p) 
of the man 
if, there i.ty 
Majesty -w* 
meet. / 
: ."Oh, coi 
The Mitr, 

./Shall. I 
'pa-tent to/ 
tfie. usua% 
beloved eo% 



FINANCIAL ADVERTISING 



103 



Jill 

sPSS 
mm 

I vaa. 

fit th«r 
carry- 

JWiP 

lorta. 

JfavoK 
to this 
I 

i whip- 
i Queen 
j her- 

iuohy 

F the 

o car 

ybon a 

tto her 

kt tiny 
1 

ito the; 

the car 

B. tem» 
hse of 

BaroTL 

>r the 

fian tr^ 

fcmeht 

/at the 

6 poet, 

OK iwi- 

V proof 

\asked 

\n his 

^oinfcg 

y?i 

ile. : 
6 the 

a well 

/ancflloj 



banking people. It is valuable to you, no matter whether you 
keep on working as a clerk for somebody else all your life, or are 
spurred on by ambition to try being your own boss. 

Get acquainted with the bank's cashier, and with all the offi- 
cers — and even the janitor. When you enter the bank the more 
people who speak to you and give you a friendly nod, the bet- 
ter. If you are considering the purchase or sale of a piece of 
real estate, or the taking out of an insurance policy for either 
fire, accident or life, or if you are a clerk and contemplate tak- 
ing a new position — drop in at the bank and have a little con- 
fidential chat about it with one of the officers. 

They will thank you to do so, they will give you their best 
advice in the matter — and it happens mighty often that two 
heads are better than one. v 

By all means, get acquainted at the bank. If you are depos- 
iting $4 once a month, change your system, and go to the bank 
every week with one dollar. Give the bank people a good chance 
to know you. Sometime you may need a good reference, as to 
character or business ability. Your corner grocer may be only 
too glad to assure anyone that you are " good," but sending 
your inquisitor around to the bank for this information is what 
will really close the deal. 

And in addition to all these benefits, you further profit by the 
interest your money earns. Idle money is a curse. Money 
profitably employed is an inspiration. You can open a savings 
account in almost any bank with one dollar. Why don't you? 




Jh >"onatituiinThe other British fish -which can be truly, 
ib would hacalled.' dangerous is the eoiager.^eei. The 
||^':i>ever caesperlenced ;£ea;tlsher!mari takesr care ' to; 
'£, yet ther|kjH eyeryiarge conger as soon_asjfc is brought 

||?d P* ; - t '>±lii-i-~ i stfoe > 



'An ', acquaintance ot the •* Tiiet, f _ sg 'a dai 
marine oMeer,' fishing in a, sraall .boat, offrdly od 

Bermuda: hooked one of these ffsh, but asst net 
soan as Ms boatiraan saw the hideous head? era s 
^b^ojce>^ > '* i;i;; "'**^^>- Ki3v|y ^»*d^p^*^^ — •* *•**"' 



wanted „ 
manager'' 
full and \ 
imperial \ 
lags on"/ 
The qu> 
roused, th 
When shj 
had beeiy 
of .votes ; 



.■"ibadyj 

30 ,fi|Ho\ 
■■kelJ'Jt / 

on the so 
One day! 
car brok^ 
to watch; 
crowd ga 
: A wornl 
On-hiB M 
she.^asptf 
Jittle man- 

The flp( 
face purf 
car- and 1 
started a( 

The Ka) 
per, but V 
humor offl 
; Aiishoy' 
Boettichj 
Inferior 
whom 1 
to be gi( 
maij wa 
and'in ep 
tation he { 
of the ma) 
if there v 
Majesty w 
meqt. / 

"Oh, c« 
■ I The M 

,:fiha\V 
patent \ 
the usua 
J ~^<o. v_ed / 



104 



FINANCIAL ADVERTISING 



Thieves 



n't 



Get the 
Money 



— Mice ate it up ! 

— Miss Matilda Keene, of 
New York, recently re- 
turning from vacation, 
found her life savings of 
$950.00 entirely de- 
stroyed. 

—$950.00 deposited at this 
bank would not alone be 
perfectly secure, but 
would grow to $978.50 in 
one year. 

— 3% interest on savings. 
NAME OF ADVERTISER 



Six Y^**rs *** 



DAILY TALKS O] 





YOU 






Worked for 






YOUR Money 






Bring it now 
to the 




NAME OF ADVERTISER 




Deposit it at 

3% and 






MaKe it 






WorK for 

YOU 






Copyright, 1909, by William Borsodi 



The Bank Has 



E 



VERY officer, every employee, even every n 
the bank. 

Officers, as a rule, have had long years 
They generally start in as messengers or h 
Each one, as he enters, is impressed with th 

bank. 

Of the grave responsibility that rests upon 1 
He is told it matters not where he is, when i 

anything and everything that may possibly be of 

positors. 

In no other line of business is this so true. 
And the consequence is that the highest anc 

benefit, the protection, and the proper improvem 
The career of those who do not promptly n 
The result is the absolute safety of the bai 
Now and again a bank does fail, but it is sc 

generally paid in full, that it is hardly worth c< 
Keep your money in the bank and it will be 
It can't be burned up, because the vaults 
It can't be stolen, as they are burglar proof 
It can't be lost, because the bank has ample 
And you accumulate money because you are 



ti-~ r 



r»rrpc~ 



~-U 



'nee 



ScJ 



FINANCIAL ADVERTISING 



105 



MONEY MATTERS | 




Thousand Eyes" 

Friday, June 2, 1909 
lger, of every bank, is an " eye " for the good of 

>ank training. 

eepers, which, makes no difference. 

t of the enormous trust the Public places in the 

shoulders of every one connected with the bank. 

his eyes must ever be open to see, his ears to hear, 

benefit or protection to the bank and its de- 



lowest are united in one vigilant army for the 
md development of the bank and its business, 
re up to this standard is short indeed. 

I seldom, and then, the depositors are so very 

.ering. 

re when you want it. 

ireproof. 

mrces. 

1 interest on your deposits. 



$ 



$ 

$ 
$ 

$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 



THE ROWER 
OR THE 

$ 

Is best realized by 

the man who possesses 

but few. 

The shrewd man will 
determine to acquire 
some " power " himself. 

The only sure, safe 
way is to put your 
savings at interest. 
This Bank allows 3% 
on sums of $1.00 or 
more. 

Safe, secure and con- 
servative. 

NAME OF ADVERTISER 



$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 
$ 



$d* (t <fc <fc <fc dz dj tt d? d? di* d? 
Cp ip^pCpCp Cp *p*p»p *p ^^) 



Money 

MaKes 

Money 



The more a man has the 
more he makes. 

To have money most young 
men must save. 

It's the start that's hard. 

— But many multi-million- 
aires of to-day look back 
on their first saved dollar 
as the beginning of their 
great wealth. 

$1.00 starts an interest 
account. 

NAME OF ADVERTISER 



i £ iv/Ui.^ r; ar p r . 



H— Harmon^ ^lub 



106 



FINANCIAL ADVERTISING 





■HPT"? 

: Royalty 

:>riody; y witlt 



Copyright, 1909, by William Borsodi, New York 

Tuesday, June 13, 1909 

The Knack of Getting Ahead 

EIGHT years ago a familiar sight on the prominent street corners 
of a New England town was a quintette of young men whose chief 
object in life, apparently, was having a good time. Their ages 
ranged from 17 to 20, and as they were all regularly employed 
they were hardly to be classed as common " loafers." 

They gambled a little, and they drank a little, and occasionally they got into 
" scrapes " and out of them again, with no very serious results. They always 
managed to wear good clothes and maintain fairly satisfactory reputations. 
If they had to borrow on Wednesdays or Thursdays to carry them through 
the balance of the week they generally paid it back on Saturday. 

Of this group, John, Jerry, Jasper and James were sometimes referred to 
as the " four Jays." The fifth member's name was Frank, and he was dif- 
ferent in make-up as well as initial. He worked in a freight office and re- 
ceived less pay than any of the others, but he got an idea. 

And as the idea grew he was less frequently seen with the old crowd, and 
it finally took permanent form as a quartette. 

The idea resulted from the discovery that a dollar saved is worth two dol- 
lars squandered. In other words, he figured that if he could recover a squan- 
dered dollar he would be a dollar ahead, and if he could save that dollar and 
not spend it at all he would be two dollars ahead. 

He opened a savings account at a bank, starting with a deposit of $2. He 
came in every week and added one dollar or two dollars, and occasionally 
three dollars. The people in the bank learned to know him, and they liked 
his display of system and determination. He was advanced at the freight 
office, and his weekly deposits became regularly three dollars, then four dol- 
lars, and finally five dollars. 

After two years he had made a lot of friends all over town, and started in 
business for himself. He needed a horse and wagon. He went to the bank 
and told the cashier of his ambitions. The plan looked feasible. He knew 
where he could buy a horse and second-hand wagon cheap, and the cashier 
said: "Send the man to me." 

The man was a bit surprised when Frank asked him to call at the bank,' 
but he did so — and the next day the horse and wagon outfit was Frank's, for 
a ten-dollar payment, the balance on credit. 

Meanwhile the four Jays were " prospering " in the same old way. Not 
one of them possessed a credit good for a twenty-five-cent necktie, but they 
were "enjoying life," and what more could anyone ask? 

Frank's business was a success from the start. He had to work a little 
harder, and the hours were longer, but each week he put a little more money in 
the bank, and at the same time he met his payments on the horse and wagon 
outfit. In three months he had it all paid for, and shortly after that added 
wagon "Number 2." 



FINANCIAL ADVERTISING 



107 



King?" 
\to ner 
fet tiny 

i«r, his 
ito the 
|he car 

tt tem- 
hse of 
i- 

Baron 

br the 

nan to 

jtroent 

/at the 

fe post, 

bs irri- 

r proof 

\aaked 

ta.his. 

point- 



A couple of years later he owned eight wagons and twelve good horses, had 
an office in the center of the town, was married, and had made the first pay- 
ment on a comfortable little home. And he had money in the bank. 

Now he lives in a larger house, with plenty of ground around it, all paid 
for— and still he has money in the bank. To tell you how many branches he 
has and how many teams he operates, and how many men he employs now would 
be to disclose his identity. Suffice it to say that he is one of our most suc- 
cessful business men — and he has accomplished all this in eight years. 

All because he figured out an idea, and learned to save money and to 
profit by direct dealings with a bank. It's an interesting lesson, young man, 
because the same opportunity is open to you. 

The four Jays? One died from alcoholic poisoning, one is serving a prison 
term and the other two are working for less money than they were getting 
three years ago. 

Don't be a Jay. Put some money in the bank and keep adding to it. 



f\e. fh cohstitutinTbe. -other British fish Vhicfc Can -be ■ truly,, 
4 the K-b i o. ! 

3 Trellljsfs, -yet tfcer&jU'9.v3ryi£,.-«j censor os-eqoo, sji itis oroughS 



icgjiijintftn.ce -; " o£ the. writer, ^c 'a da? 

rof: ■;■■;..% Af:\.S:±^,iy. a soiiB Scat oKrdiy as 

:;^,a^^i'3c:v';:^i^'^^: ; : !;heG0 fe)i p but ssst t^i \ 

d oils heads are : ^ 




108 



FINANCIAL ADVERTISING 



f 9 Vic 
/r royal 
All 
fmother 

vereign 



icction 
euvres 
ng his 
'letting 



a<my. 
The 
was 

^it (be 
jfcarry- 

always 
ytotla 

! favor 
tbls 

\-whip- 

(•Queen 

her 



ting? 
f to he 
^at tiny 

)g. his 
(to the 
he car 

;a fem- 
enee of 





Copyright, 1909, by William Borsodi, New York 

Wednesday, June 14, 1909 

The Bonfire and the Wolf Pack 

YOU have heard of the belated traveler in wild lands, overtaken by 
nightfall and surrounded by wolves — how he gathers brushwood 
and builds a blazing fire. All around him, in an unbroken circle, 
those crouching, sinuous forms are dimly visible; at times silent as 
the grave, and again shifting in restive impatience, like the untraceable 
shadows of bat wings. 

Fresh fuel thrown on the fire sends up a blaze a shoulder high, and in the 
sudden glare the man can discern the faces of these encircling forms — and 
they are smiling. Yes, so plainly that he can even see their glistening teeth. 

But the man has been wasteful of his fuel. There is yet no sign of dawn, 
and the fire burns low. The " smiling " horde well understands. One ven- 
turesome form darts in toward the dying embers, then turns back suddenly 
to the circle again. Another follows, approaching closer this time. A third 
form, from the other side of the circle, creeps half way across the little clear- 
ing and halts, poised with keen intent. The circle closes in, and the man sees 
now that the " smiles " are but the uncovering of the fangs in greedy antici- 
pation. 

Don't blame the wolves. 

They are committing no crime against their moral laws. They are merely 
exercising their God-given right to take for themselves whatever they find, and 
wherever they find it. 

Nor should you blame your fellow-men who artfully provide all manner 
of opportunities for you to contribute what they so dearly prize, and then 
hover about with smiles on their faces — until they get it. 

If you have forty dollars, and you don't really need a new carpet in the 
earned money — you are pretty sure to discover eventually that there is a 
startling resemblance between wolf nature and human nature. When you are 
finally cornered, " down and out " financially, you find that the " smiles " of 
the world are in reality snarls — and you would willingly give years of your 
life if you could bring back the money you " burned " so foolishly. 

It doesn't pay to live the life of the miser, nor does it pay to be a con- 
firmed spendthrift. It's the happy medium that marks the level-headed hus- 
bandman. 

Spend money — yes. But squander money — no! 

Don't try to save the dollars that you ought to spend for right living, but 
keep the pennies, and the quarters, and occasionally the five-dollar bill that 
some fellow would like to get away from you, in exchange for some useless 
luxury or fleeting pleasure that cannot possibly do you any good. . 

If you have forty dollars, and you don't really NEED a new carpet in the 
parlor, put the forty dollars in the savings bank, and then try to add five 



"Royalties, 
handy -with 
is even goiry 
Alexandra/ 
cently, (hot; 
Majesty f / 
Her Ma.i 
a quiet lac/ 
a tinker bcf 
attended, h 
dog's reseu 
side and w,' 
anitnal. '> 
The boy 
ing down.c. 
left off bei 
not conten 
lecture, b' 
by giving 
box on thi . 
Some ol' 
toria to sa> 
Highness fc 
she will so' 
would llk.> 
The reee) 
recalls anc v 
The you, 
august aurt 
in garment 
Savilie. Bo- 
tradition 
ager Empi 
, of fury she 
with bittei 1 
her fan she 
him a vicio, 
. An.incid; 
wit h the* 
reeujted "f 
temper a^ 
t nemselvei 
The Prl; 
to be prej 
but before! 
■the .Growl 
on the sr/ 
Prince ft© 
officials to; 
•manded t|j 
Another* 
wanted to? 
manager ( 
full, and J 
imperjal:\ 
Ings.on" \l 
The que, 
roused the 
When she/ 
badfpeen/ 
of votes ; 
indignant! 
. '"..Lady ! 
ping. Ttj 
no f^rloui 
self."' 4 
King Tj 
on. the 8u) 
One day\ 
car. broke 
to watchl 
crowd gal) 
A ;Womd 
On his Mi 
she'/raspa) 
tittle, maif' 

face 

car 
started agi 

The-Kai* 
per, ',but d 
humor ofte 

A 'shorly 
Boettiohor, 
Interior, w 
whom he; 
to be give 
man was 
and in spit 
tation he p 
of ih'e man 
if 4here V 
Majesty w- 
mou(./ ? 

■ Ohf coi 

The.Min' 
."Shall J 



ft 9: B P{ 
s;; pum 

' and si 



patent lp/ 
the iietfal;. 
tfcioved eS| 



FINANCIAL ADVERTISING 



109 



i me 
e car 

joon £t 

t 

iKiag?" 

rto b'ar.. 

p t --iV 

Is." his 
ito theJ 

the oar] 

K tem- 
nse of 

Raron 

>r the 

nan to 

■Iment 

fat i be 

ift post, 

fair irri- 

X proof 

.asked 

\h his 

>.,:.ic- 



dollars to it every month — five dollars that you would otherwise have squan- 
dered and have had nothing to show for. By the time it is actually necessary 
to buy the new carpet you can draw enough from your savings account to pay 
for it, and still have more money to your credit than the original forty dol- 
lars you started with. Make the wolf men provide you with the carpet by 
paying for it with the money they failed to get away from you. 

Life isn't one unbroken, joyous song. Its vicissitudes come to all of us — 
they must come to you. And the only way to meet them safely is to prepare 
now for the stretches of hard-sledding ahead. 

Even if you start with only one dollar, a savings account helps you in many 
ways. It isn't so much the interest it earns as the interest it compels you to 
take in it, resulting in the saving of more " unsquandered " dollars. It's n 
bonfire that never burns out — your one sure protection against the wolf men 
who are hovering in a circle all about you. 

Don't squander your money — save it. Commence to-day. 



' |rh constitu'dtTfhe <ffher British fish which ci 
t\e. \\mb would haoalled'dangorous is the fee igrei 
6 the !;hae never eaexpe'!JDnc6d. sea: ftsherhjau tab 
My in £rs, yet ther^iiU^'3ry|arg«conger«ssooji_^3J 
d iceU ] pord jf-~*-~*±te^~^iTxfr? 



be truly 
sel. The 



ibrougfc 



' 



"r="= 



acqi .afnlance ' of the writer, sg'adar 
? officer, fishing in a small boat offrdfy: oc 
dfa'huolced/biie t of .these fish, but asst net 
cv bis boatman saw the hideous hee.da are t 



. The M 



110 



FINANCIAL ADVERTISING 



feasant ly 
lA story 
«d Queen 

laulfc re> 
*thafKer : 

/cart in 
|me upon 1 

jwasun- 
nd to the 

he road- 

. howling 

^y bear- 
.'manner 
h Qtieet}, 
-'scathing 
,an end 
ounding. 

Cess Vie-- 
>r royal 

\ mother 

ibvereign 

11 on his 
I smartly: 
^n cut in; 
Oriental 
Id Dow- 
outburst 
■temperors 
hing" up- 
dealing 

vinnection 

tnceu.vres 

tsing his 

.getting 

£1 train 
t s done, 
id allow 
insisted 
•. The 
;od the 
T com-' 

Vmany, 
/•• The 
*el was 
•jnit the 

"earry- 

'. always 
fctorla. 

idy 

5n favor 
ote this 

4 whlp- 
e Queen 
ain her- 

touchy 

.stature, 
Ting the 
'th^car 
j' sooa a 

i King?" 
,t to 'her 
hat tiny 

.ing, -his 
inlci the 
'.the car 

•, a |em- 
,ense of 

<1 Baron 
'. for.:, the 
K man to 
jinfcment 
'i&U. the 
£0 post, 
Ving irri- 
cing proof 
:hen a9ked 
whom his 
r appoint- 
like." ' _■ 
■ smile. 1 " - 
ssue the 
ajesty. in- 
and well 
Councillor 

s* — iii*a 




Copyright, 1909, by William Borsodi, New York 

Thursday, June 15, 1909 

" How doth the little busy bee 
Improve each shining hour? 
It gathers honey all the day, 
From every opening flower. " 

DID you ever see a lazy, idle bee? 
This is a simple, homely, little couplet, but close your 
eyes and think of it and of nothing else for five minutes. 
It involves the whole secret of human existence — successful liv- 
ing and successful dying, for there is such a thing as successful 
dying. 

Busy. Idleness and laziness are the curse of civilization. 

They fill the prisons, the asylums, and the poor house. Sin, 
crime and disease follow in their wake. 

So long as men, and women, boys and girls, are busy, their 
minds are pure, and clean, and healthy. You know " The devil 
finds plenty for idle hands to do." 

It is perfectly true one cannot work all the time, but that isn't 
the idea. Human nature demands that we must have recreation, 
time to play, time to think, time to rest. 

But we are positively not entitled to a single moment to idle 
away. 

Improve. You must work, not slave. Do you see the dif- 
ference? Work because it interests you; because it pleases you; 
because you enjoy it, and are glad to do it. Work so that you 
will be surprised when quitting time comes. 

Don't work because you have to. 

Play because you enjoy it, enjoy your associates; because you 
feel better after it. 

And think because of a desire to know the why and wherefore ; 
because you want to understand the mysteries surrounding you ; 
because you want to be " The noblest work of God." 

Gathers. And then through it all remember that the busy 
bee was not content simply to work from early until late, sing- 
ing only to itself. 

He was about his business, storing away something to live 
on during the winter time. 

Remember, we are not immune from accidents, from illness. 
We grow old. There will be days of unproductiveness, there 
will be days of illness, days of enforced idleness. 



taUiiadi 
Vd^rlalj 
iris/; or,' 



itvflfttjgj 



FINANCIAL ADVERTISING 



111 



)bo her 

at tiny 

ng, his 
\to the 
pe car 

tem- 
ftae of 

SLTnr 

for itbe 

|nia?i to 

rit men I 

\at (h 

: post 

&£ vf- : 

■ proof 

: asked 

|om Sma 

kp'pojijt;- 

:-■'.' 

nit' 
t#4 

. ty 

pd irell 



So, always save a little, no matter how small the weekly in- 
come may be. , 

There is in Minneapolis, over the door of a savings bank, a 
golden bee hive surrounded by a swarm of " busy, little bees." 
This particular bank has a very large number of small accounts, 
and it is here that man has the advantage over the bees. 

Man deposits his honey in the bank, and it accumulates. The 
bee's honey disappears. The bank is our storehouse, our protec- 
tion, our safeguard against the " Gray days and cold." 

The bee would starve to death if he were not a busy bee, and 
the strong, husky man, and the robust woman who earns her 
own living, ought to be ashamed to be less provident than our 
friend the bee. 



sh cohstitutraprhe other British flshjwlvich can petruiyJ 'An acquaintance r of tie 'writer,-., .tig., 'a (Jit 
jrnb./would hacalled;' dangerous is /the .confer eel. v> Thej marine officer,. -Bshinff in,*v srusU .boai.*offWty\Q< 
jhae never caesperieneeti ssa rtohortnah' takes care::i»| Be/inuda. hooked poe of ttoso flah, but asst net ■ 
Bts, yet ther^ilieyerylar^econgerasEotinaSitisorouEhtjaoon asJ> > ~^o_atm.v.. > hideous headjs a>es 



112 



FINANCIAL ADVERTISING 



i°a sarit \y 
■ A story 
*d Queen 
sault re- 

•-that her 

cart in 
'jne upon 
Was un-. 
nd to. the 
he road- 
howling 



18s' bear- 
manner 
!e Queeq, 
scathing 
an end 
-oundingv 

cess Vic-3 
'.er royal^ 

i-n." All 
-. mother* 

sovereign 

11 on his 
/ smartly 
>n cut in 
Oriental 
: Jd Dow- 
outburst 
tKmperor 
hing up 
', dealing 

jnncction 
\nceuvres 
ising his 

^r-'tint 

<al train 
^s done, 
Id allow 
insisted 

-. The 
jed the 

*f com- 

?rmany, 
il. The 
|el was 
*mit the 
"carry- 

■ always 
'ctorta. 

?.iy 

•in favor 
ote this 

d whip- 
e Queen 
Bin her- 

touchy 

'stature. 

(rlnpt the 

the car 

■ soor. a 

j King?" 
-t to her 
hat tiny 

ling, his' 

into the 

i he car 

• a tem- 
.ense- of 

d Tlaron 

■ Tor the 
\ man to 
'intment 

that the 
;ie post, 
vine irri- 
cing proof 
.hen asked 
whom his 
- appoint- 
like." 





Copyright, 1909, by William Borsodi, New York 

Friday, June 16, 1909 

" For Riches Certainly Make for Themselves Wings " 

BUT wings are not part of riches. 
It isn't the natural tendency of riches to fly away or to 
dissipate themselves. 

And they won't waste away unless you let them. 

If we go through the heyday of life without preparation for 
old age, it is our own fault, isn't it? 

If we make money and save nothing, to put it very briefly, 
truthfully, and, it may seem, harshly, we have been criminally 
negligent, haven't we? 

Some find comfort in the old saying that " the World owes me 
a living." 

It does, if we work for it faithfully, and earnestly, and loyally. 

The world will never see an old man beg bread if he has done 
his duty. 

And by the World we mean the man himself, because he will 
have laid by stores as he went along. 

He will have saved something every day. He will have looked 
ahead and provided for his own competence. 

It is the riches of the foolish, the thoughtless, the spendthrift, 
that fly away. 

The careful, thrifty man takes good care that the wings of 
his riches are clipped before they get out of reach. 

Money may be said to be the beginning of riches, and some 
people seem to be unhappy until they have spent their last cent. 

Opening a bank account and depositing each week, or each 
month, as the case may be, as much as you can comfortably 
spare, is about the only way that such people can save money. 

Many a man that can't save a dollar so long as it is in his 
pocket becomes a keen saver when he has a bank account. 

And this is one of the innumerable benefits of having a bank 
account. 



* 'or 1 



5h constitutinThe other British fish which can-be truly 
hmb would, hacalled* dangerous is the confer eel. The 
^hae oever__caexper fenced sea flaherman tak§a~ca£e' to Be 



' An acquaintance of the writer, fig 'a dar 

marine . officer, fishing in a snjxtll boat, off rdly, o< 

B^r-rqud a v ho oke d one of these fish, but asist net 

ideous head> "■--" " 



FINANCIAL ADVERTISING 



113 




hand 

i 



Copyright, 1909, by William Borsodi, New York 



Monday, June 19, 1909 
Daily Talks on Money Matters 

PEOPLE who never learned to appreciate the true value of 
the little things. 

People who never grasped the fact that a few dollars 
put away in the bank now and again to earn interest for them 
would mean a comfortable old age. The pennies, to them were 
not worth while bothering with. 

There is no man and no woman in America, blessed with health 
and strength, and even fairly steady work during the ordinary 
" working years," who cannot save a little money each week pro- 
vided there is the determination to do so. 

It is the positive duty of every intelligent, self-respecting hu- 
man being to look ahead and prepare for old age ; to see to it 
that when his working days are past he will not be dependent 
upon an individual or upon the State for a livelihood. 

The pennies and nickles frittered away to-day, if saved and 
deposited in the Bank would soon amount to a respectable sum, 
and when you have your interest entered up at the end of the 
year you will be agreeably surprised to see how the little weekly 
saving has grown. 

The first thing you know you will have no further need to 
worry about the future, and then your life will be happier and 
longer. 

This very Saturday night sit down and figure out just how 
much you can spare each week, and on Monday morning de- 
posit it in the bank. 

If you keep it in your pocket it will probably be spent, cer- 
tainly the greater part of it will be. 



a ojifl 
atfl 
atteB 
dot's 

an in 
Tl> 
inif-i 

left 
not! 
'lecf 



Sh oohstitutinThe other British fish which can be truly 
(rrib would hacalled * dangerous is the conger eel. The 
[has Dever_caeiperienced sea ftaherruari takga^caie to. 
Ptf^* 1 "" t <flyftr T' ,jflrg * c 



on tb' 
One.ri 
cai , ) ..bro)j 
to'^&cj 

ir-S£ 

ills 

ihe $«»£ 

!tttl9>msn 

Th'e;': 8B 

Blarts* 

Thjfe'fe^ 
rikr-$iKuk , 

."'ii-:'" 
H.outt, 



' An.'., -acquaintance of ,. the . writer, ftgifiar 
marine orlte«r, Bshiag in a. sw&H boat, offrdlvot [pjrtfyjt ' 
Beiroutivhgolced cue of- these fish, but asst'riet |tfip|£j 
" ideous head^;*""" ""*^l*(|':*» 



114 



FINANCIAL ADVERTISING 




f favor 

this 

vhip- 
Jueen 

her- 

Jouohy 

ature. 
the 
car 

oon a 

tin's?" 
to her 
kt tiny 

tig, his 

\to the 

car 

- tem- 

AfO Of 

/Baron 
for the 
(man to 

(itment 
et the 

■ proof. 

: asked 
lorn hia^ 
appoint-'. 



Copyright, 1909, by William Borsodi, New York 

Tuesday, June 20, 1909 
" Put Money in Thy Purse " 

THE bard of Avon didn't mean simply that we should 
make money. 

Not a bit of it. He knew human nature entirely too 
well to waste his time advising men and women to do something 
that was already their chief end and aim. 

Nor did he mean literally to keep money in your purse, as 
some lovers of Shakespeare like to believe. 

No, neither of these. 

But what did he mean? 

Simply that every man, and every woman who has any inde- 
pendent way of earning money, should have money. 

It isn't enough to make money. We must save it, and we 
must use it, in ways to make it earn money for us. 

Put money in the bank. 

That is the sum and substance of the quotation. 

Because in the bank it is safe, safe from fire, from robbers, 
and from the temptation to spend. 

In the bank it is where you can get it at any moment. All 
you have to do is to sign a check — a far easier and quicker way 
than to count out the soiled, ill smelling- bills. 

In the bank it is adding to itself all the time at a good rate 
of profit. 

Shakespeare was one of the greatest philosophers the world 
has known, and the peculiarity about his philosophy is that it 
never grows old. If anything, it is truer to-day than ever 
before. 

Follow his advice and you'll never want when you grow old, 
and you will enjoy life as you go along. 



.h conatitutiaThe other British flsh -which can be truly 
irnb would hacalled dangerous i3 the conger eel. The 
has never caexperienced sea fisherman takes care to 
era, yet therikilleveryjar^econgerassoonasitisbrought 
P2T4_J!£j32i>">j»±<^th«J > r - ' 



'An' acquaintance of the writer, . ag 'a dar 
marine officer, ' fishing in a.smali, boat, off rdly <oc 
Bermuda hoc-lted one of these fish, but as'st net 
soon asjj'^vpatman saw thejjideous heads Sra.i 



FINANCIAL ADVERTISING 



115 




Copyright, 1909, by William Borsodi, New York 

Wednesday, June 21, 1909 
Make Your Money Work for You 

THE man of steady habits, blessed with health and strength, 
and the opportunity to toil for from twenty-five to forty 
years, may, by the time he is ready to totter to the grave, 
own his little home and have a few dollars besides. 

But it means skimping, skimping himself and his wife, all the 
time ; counting every penny, and keeping tab on where it goes. 

It means going without practically everything that has even 
the semblance of luxury. 

Such a life tends to narrow a man and his wife, and to make 
them suspicious and secretive. 

Instead of putting their monthly savings in the bank to be 
safe and accumulate interest, they hide the money about the 
house. 

And then one night, perhaps the very night they have decided 
that at last they have enough, that the time has come to take 
their well earned rest, in the twinkling of an eye, their money 
is gone, the house is burned, or the burglar finds its hiding 
place. 

Nothing is left, but dull, black despair, and nothing faces 
them but a new start, or the Poor House. 

Then he finds that it is easier for an old man to hold his job 
than to get it back again — a younger man is already in his 
place. 

Competition is keen, and too often they are forced at last 
to be dependent on relations or upon the Public. 

And it is all because of their own simple, selfish folly. 

Had they listened to advice and deposited their money in the 
bank, it would have been 

Absolutely safe and earning money for them. 

The interest would have meant fewer years of work, or a 
greater amount of money and of comfort when he did retire. 



Ttoyalt: 
hand. 

■a : got 

Alexandra 

■eni :. Hi. 

In i o!v f 

Her M 



<<OuncilI.' 




An acquaintance. <>f the write j, as a dii 
marine officer, fishing in a small boot offr < 
^ex^udajioekeci ope e *i these fish, but asat !W 
' ideous heada>* — ~ 



Pin* ... 

■so litrio 

3Ci\C 



On; i>is 
Jha jftisp 
Iitti8|i§«ri 

TiM^sJ) 
fae s*" tsii 
car- &i\$\ 
stai&sJi-'i 

Tr.i'Ka 
per,VS|ife; 
humflri<iiM 

BoSiticKf 

Thfroiipr" 
w.h(S|ji 
to ; bfl' si 

endtto 
lati'oB ! 



116 



FINANCIAL ADVERTISING 




; 






Copyright, 1909, by William Borsodi, New York 



np up 
eating 



\ Whlp- 

(,Queen 

her- 



fenst 6ff 



Thursday, June 22, 1909 

" Boast not thyself of to-morrow; 
Thou knowest not what a day may bring forth." 

MAN by nature is a boaster. 
If he doesn't talk about it, he feels it. 
The strong, husky fellow is imbued with the idea that 
he can't be ill; he can't lose his job; he can't grow old. 

It doesn't matter what happens to his friends, or how the 
world treats his neighbors. 

He, so he thinks, is more careful; he knows better; he has a 
longer head on his shoulders. 

" Boast not thyself of to-morrow." 

Don't be without pride in your health and strength, in your 
ability. 

Don't be without ambition to get along in the world. 

But don't get the idea in your head that nothing ill can pos- 
sibly happen to you. 

" Thou knowest not what a day may bring forth." 

You, yourself have undoubtedly had this brought home to you 
many, and many a time, and again. 

Perhaps you have profited by it. Perhaps not. 

You ought to. You ought to look ahead of you. 

No true man, if the Fates have it in store for him, wants to 
be thrown a cripple for life upon relatives, upon friends, or upon 
the Public for maintenance. 

No courageous husband and father wants the world to care 
for his wife and little ones when his working days are over. 

" Thou knowest not what a day may bring forth." 

But you do know you are strong and well 

You are earning money. 

Are you saving any? 

You should. You must, if you intend to 

Put something each week in the bank. 

The bank is safe. 

There are splendid men at the head of it, men of ability, men 
of integrity ; men who will take care of your savings ; men who 
will make them earn money for you. 

You will be paid interest as long as your money is in the 



I 



m 




FINANCIAL ADVERTISING 



117 



to the 

he. car 

tem- 
hse of 

Baron 

-the 

Ban to 

I. .■ ■■,,;■ 

M ihe 

post, 

pB irri- 

; proof 

ked 

: his 
g§§§ 



the 
(stV in 
. well 



bank, and when you want it, it's there for you on a moment's 
notice. 

But you won't draw it out except for some good purpose, 
some wise investment. 

The very fact that you have saved, that you have opened a 
bank account, that you are adding to it each week, makes you 
careful, thoughtful and wiser. 

You are accumulating money that you really and truly do 
not need for living purposes, but that, without a bank account, 
would probably have been spent and wasted away. 




118 



FINANCIAL ADVERTISING 




J cart In 
|ne upon 
iTvas un- 
nd to the 
lie road- 
howling 

*j}y bear- 
, manner 

as Queen,. 

-'scathing 

an end 

funding 

(Seas Vie- 
wer royal 
vn." All 
\ mother 

tovereign 

31 on his 
/ smartly 
tn but in 

Oriental 

•Id Dqw- 
<butburst 
.Emperor 

hing up 
Jealins 

< 
t 

grinection 
inceuvres 
Uing his 

'^getting 

jil train 
( s done, 
Id allow 
'inoisted 
). the 
led the 
■f com- 

(rmany, 
jl. The'. 
ie\ was 
'Unit the 

"carry- 

< always 

fctoria. 

Uy — 

jn favor 

*'pte this 

d whlp- 
e Queen 

aln her- 

touohy 

stature, 
{ring the 

the car 
i soon a 
f _ - 
•> King?" 
; 't to her 
- hat tiny 

Ung, his 
jnto the 
'.the car- 

< a. tem- 
iense of 

d Baron. 
•; for the 
H man to 
\ intrnent 
•that the 
flQ poet, 
tine irri- 
cing proof 
lien askesl. 
whom his 
t appoint- 
like." 
• smile, 
ssue the 
ajesty in 
and well 
•nouncillor 




Copyright, 1909, by William Borsodi, New York 

Friday, June 23, 1909 
" He Hath not the Method of Making a Fortune " 

YOU know him. We all know him. The poor, pitiful, 
shiftless fellow. 
The idler about town ; the man who is always changing ; 
the dreamer. The man who overlooks his duty, and fails to 
grasp his opportunity. The man whose family is supported by 
his relations. 

And frequently he is such a good fellow. Often he is so suc- 
cessful for others. 

Perhaps the fault was in his early bringing up ; perhaps he 
never had it in him. 

But, at any rate, he should be an example to others. Don't 
let us be like him. Don't let us fritter away our time, our 
ability, our opportunities, and our means. Our family and the 
world have a right to expect more of us. 

Let us study ourselves. If we have started wrong, let's get a 
new start. 

Let us form habits, good habits. This is one of the shortest, 
quickest roads to success. 

Let us begin by saving. Save our time, our health, our 
strength, our self respect, and save some of our earnings. This 
is laying the foundation for a respectable career and a respected, 
comfortable old age. 

Open a bank account. That is the next step. Not alone for 
safety and convenience, but for profit. 

And when our name goes up on the sign before the door, we 
have the money in the bank to buy an interest. 

And then, one of these days, when our turn comes, we have 
a standing at the bank, a credit, that entitles us to borrow money 
to run the business. 

We have won the confidence and the respect of our community. 
We have everything to make sailing plain and easy, and form- 
ing the first, little habit of saving, opening the bank account, 
was the beginning;. 



sh coftstitutinThe other 
|rrib would hacalled dangero 
jhas' never cas^perienced sea ftshorrnan take. 
Xavejxlarae-CC^ 



British' flsh- which can'ibe truly ! -.3hvt.ajK.-e of. the writer, «g 'a da? 

serous is th^, con^ir. >3S>.- Tn.- 1 mi. one officer; fishing in a 3roall boat offlrdry <»< 



\uda -hdojked one tilt -these- fish, but astet net 
hideous' heada-^" — ~ 



th* <-.«|tej 



FINANCIAL ADVERTISING 



119 




Copyright, 1909, by "William Borsodi, New York 

Tuesday, June 27, 1909 

Family Safe Easy for Burglars 
Bank Vaults Absolute Protection 



T 



HE family safe is a thing of beauty, but it is of little 
more real protection against the wily burglar than an 
ordinary cupboard. 



Of course, it gives the thief a little trouble for a few moments, 
if it should happen to be locked, but the combination is easily 
wrenched off by even the apprentice cracksman, and your dia- 
monds, your jewelry and silver, your prized heirlooms, vanish in 
a twinkling. 

But how different is the bank vault ! 

Made of armor-plate steel hardened to turn the edge of almost 
any tool. 

Fitted with the most ingenious time locks, that can be opened 
only by high and trusted officials of the bank and even by them 
only during office hours. 

And, to make safety doubly sure, 

These vaults are enmeshed with electric wires, secretly com- 
municating with Police Headquarters the slightest tampering at 
any point, and bringing, instantly, the armed guardians of the 
law to the protection of your property. 

Be wise, be provident, be economical, use the bank vaults, and 
know that your treasures are safe, and let the children use the 
home safe as a doll's house. 



)h cohstitutinThe other British flsh, which can be truly 
imb would hacalled dangerous is the conger eel. The 
[has never caaxperienced sea.flsheriuan takes care to 
prs, yet therJdlleveTTla^gecongerassoonasitisbrought 



■■.- T s-. ....-..' ; — —■" . . , .,J 

An acquaintance of the writer, sg "a dai 
marine officer, fishing in a small boat, offrdry at 
Bermuda hooked one ol-these flsh, but asst net • 
jtroati saw the hideous heads are i 



120 



FINANCIAL ADVERTISING 




train 
done, 
*llow 
Bisted 
The 



kig, Bis 
Uo the 
te car 

lem- 
iu« of 





Hoyaitfl 

hundy M 

Usevsnso 



Copyright, 1909, by William Borsodi, New York 

Monday, June 26, 1909 

Spending Habits Wreck Homes 

SPENDING, spending, spending, is the great American 
failing. 
Many a heart ache, many a shattered life, many a for- 
saken home, many a crime, many a suicide, comes from the in- 
satiable desire to spend. 

Many say spending is good for trade. 

When Marie Antoinette came to France as the bride of Louis 
XVI. she refused to continue the reign of the most reckless 
extravagance France ever saw. She was simple in taste, simple 
in dress, and said, " I will not allow the brilliancy of my eyes and 
teeth to be outsparkled by diamonds and sapphires." 

The tradesmen of Paris petitioned the king that they would 
be ruined ; that France would be bankrupt, unless the queen set 
an example of wilful extravagance. And this was one of the 
reasons the beautiful queen lost her head. 

"Wilful waste makes woful want." 

Waste is waste, no matter what anyone may tell you to the 
contrary. 

Extravagance on the part of the French court undoubtedly 
would have helped Paris, but the rest of France would have had 
to pay for it. 

Reckless extravagance in every shape, form, and manner, was 
at the bottom of the panic of 1907. 

And the reason the panic was neither so widespread nor so 
long as that of 1903, was because America had more put away 
for the rainy day than ever before in the history of the country. 
As a rule, we had more money saved up, more of us owned our 
homes, more of us owned a little land. 

We were all in better shape to live for months without working. 

There's a lesson in this. Things move in a cycle. 



' 'S;he.r -' 



FINANCIAL ADVERTISING 



121 



■ihe'ear 

«: avtiem- 
lens© of 

& Baron] 
*" for the 
i matt to 
fftitmehfi 
"'that '.he 

S'Mg irri^i 
cihgproof 
:hen asl ••.] 
whorti'TiiB- 

* appoint-' 

* . V"".^' 
like." 

smile. 

ssue "-tie 

a jesty. in 
Sod well 



Now we are entering on good times again, but, as the wheel 
goes around, dark days will return. 

Let's be even better prepared than ever. 

Let more of us save. 

The banks are safe. They are the natural, reasonable de- 
positories for money. Open an account. Keep your savings in 
the bank, where you can get them any time you really want them, 
and where they will always be earning interest for you. 



'" ■ - — "■■;■' . ■: y. '. " Y ' ''■■' 

I 11 in j j u In. i i_i iii i cess , 1 "Afi iiKiisiass sett ',;.; 



H 





122 



FINANCIAL ADVERTISING 



^F" ■ ■■■ 

^easantly 
'A story 

t ; d Queen 
ault re- 
•that'.her 

: : cart m 
(me upon 

fwas "'ti'ti-'" 
hd to the 

he Toad- 
howling 

.- 
&>' bear- 

' manner 

fe Queeq,;. 

'scathing 

an end 

oundini 




tnceuvres 

^sing .his 

■■getting 



%l trait) 
,b done, 

insisted 
>. The 
•ed the 
k com- 



'/•mahy, 
,<!. The 
ioi iwas 
Imife the 
"carry- 
always 
■ct'oria. 
fdy ^~ 
in favor; 
ole* tbls 

d whip- 
e Queen 
a!n her- 

touohy 
stature, 

;rlng the 
the .car 

5 soon a 

■j King?" 
t to her 
hat tiny 

,ing, his 

jnto the 

the car 

■. a tem- 
.ense of 

<1 Baron 
• for the 
\ man to 
intment 
that the 
;1G post, 
?ing'irri- 
eing proof 
:hen asked 
svhom his 
i appoint- 
like." ' 
smile. 




Copyright, 1909, by "William Borsodi, New York 



F 



Wednesday, J"une 28, 1909 

The Home Safe a Menace to Life and Property 

OR some reason unknown the family safe is generally kept 
upstairs in mother's bedroom. 
In case of fire down it crashes through half burned floor 
and ceiling, carrying death and destruction in its wake. 

If, providently, no one is killed or hurt, your valuables at 
least are lost or ruined. 

Sometimes the safe door is " accidentally " locked at night, 
but this is very rarely, and, as luck would have it, the very 
night your house was burned it stood wide open. 

But don't be harsh with the one whose duty it was to see that 
the safe was closed, as, even had it been, there was not one chance 
in ten it would have proven itself fireproof, smoke proof, or 
water tight. But had it proved better than we think, it surely 
would not have failed to crack when the cold water was dashed 
upon its heated surface. 

Be wise, be provident, be economical — rent a safe deposit box 
in a bank vault. They are absolutely safe against the elements 
as well as burglars. 

Bank vaults are heavy, armor-plate steel, doubly hardened to 
resist the tools of the burglar, the hottest fire, and the water. 

Then, they are surrounded by electric wires which instantly 
communicate any tampering with the locks to police head- 
quarters. 

There is no other positively safe place to leave your property. 

And they are private, as no one without your order, and secret 
pass word, has access to your private box. 

■■H 



Royalty 
■ hundy.wil 
is even goi^ 
Alexandra 
cently^ thn| 
"Majesty f / 

at ctuiet la/ 
a tinker 1 
attended! 
dog's rej 
jsicje andl 
•aiilmal. | 
C'Tne bo 
ffiig down 
teit; off b 
Jn6j; cont' 
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Jvgivine 
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Jo ': 
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ill 

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TCi 

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T£e v i 

atagust at 

tniftajriM; 




esue- the 1 50 constit-utiniiejo? 
ajest-y. in I Imb- woAild hacajled' dtpMSS 

and wall l^as never oae:- \ „ . -oa" M 



' T> " r 1 
btit I 
*fte Cro-i 
on the e^ 
Prince 11) 
officials U 
manded f 

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wanted 1 
managed 
lull- and ! 
U'ipejial i 
trV,TS'dn" ' 
'.The en; 
r.ons'ed tq 
When eh4 
had bee 
of votes/ 
jndignar 

'Lady! 

ping-.i l| 

" ; lo 

>JflS 

g 

•da the 

fpnoday 

;cVr, brolf 

o n'atci 

A. won 
On his 
.-.he #a»p 
li't'.e'ma-n 

The be 
face ipu 
dar^And'l 
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Jjuhijbr <ji i 

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iom 
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and in 
lation 
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l»'j<i/»{ L v| 
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'^asexxiatj.Bjxif 



FINANCIAL ADVERTISING 



123 



^asantly- 
rA story 
fed Queen 
%ault re- 
\thather 

/'cart in 
§he upon 
j was un- 
ftd to die 
the road- 
howling 

|jy. bear- 
er manner 
fe Queeij. 
fecathing 
Van end 
funding 

fces3 Vie- 
wer royal 
*n." Jill 
* mother 

sovereign 

31 on his 
^.smartly 
Sn cut. in 
Oriental 
'Id Dow- 
fout burst 
(Emperor 
;hins up 
'", dealing 

^nnection 
sneeuvres 
%sing his 
"getting 

^1 train 
s- done, 
Jd allow 
insisted 
}■ f b « 
fed the 
tf com- 

?rmany, 
A. The 

|el was 
W the 
'Vcarrj'- 

vatways 
tctoria. 
fir — 
5n favor 
fate this 

/3 whip- 
je Quean 
|tln her- 

; touchy 
•stature. 
firing the 
\the car 
: soon a 

I ^ ;■• 

% King? 
^fc to her 
•""hat tiny 

ting, his 
3nto the 



^a tem- 
jense of 

<d Baron 
» for the 
*man to 
tintment 
•that the 
£c post, 
ting irri- 
cing proof 
jien asked 
whom his 
> appoint- 
like." 

smite, 
ssue the 
ajesty- in 
and well 




Copyright, 1909, by "William Borsodi, New York 

Thursday, June 29, 1909 
Your Turn Next? 

THE careful housekeeper methodically gathers up each 
night the family plate, carries it along up stairs, and 
puts it carefully in the safe. 
Then the diamonds and the jewelry, too, are laid away. 
But, thoughtful of her morning nap and the hurry and scurry 
of the new-born day, she carefully leaves the door unlocked. 
She has done it every night for many years. 
But this night the burglar comes. 
He is a clever fellow. 

He knows just what has been done, and makes straight for the 
safe, where he is sure to find the valuables gathered together to 
save him time. 

These are facts, and while the burglar may not yet have come 
to your home, he surely will. 

Bank safes are burglar proof. 

Burglars know this so well by bitter experience, that it is 
many a year since they have even attempted to rob a bank vault. 

Attack the vault? — never! 

He knows too well to get off alive the robbery must be com- 
pleted in a minute — in just the time it takes the police to get 
to the bank from headquarters. 

Because the vaults are strung with electric burglar alarms, 
set going at police headquarters by the least tampering with 
the safes. 

No, your goods and papers are absolutely safe in the bank 
vaults. 

And just as sure to be stolen if you persist in keeping them in 
the old-fashioned home safe, which is generally left unlocked, 
and which would be little better even if it were locked. 



j T-qf ~' ' -.-i . ' -."'■ -,■ --V ■■■■■- ' - -,,,...; .;■ ' - - .„--- , -, 

;h .bonstitutlnTha other British fish, which can bo trulyl. At 
mb would hacalled ' dL ; .ngjfoi;s is the : confer esi. Theh~n^-;- 
jhas Qever_^a8xperi6cced sea fishermen - takga>jcai» -'toil: 
~~' ..ver y.Ur.gftnn ~" 



taktotanc-e; , <s? the writer, . ag a d*f 
lift; fishing in a sruairboat offjrfly o< 
:^OKed;-oas of th^sa fish, ; but asst net 



a e6t>:, 

otmmt. 



pi ipBa 
■fi? * rt f 

to I pi 
■ ■- \ 

mm 






act' 1 



THE MOST PRACTICAL 
BOOK ON PUBLICITY 



THE ADVERTISERS CYCLO- 
PEDIA of Selling Phrases, from 
which the " Phrase " and Illus- 
trated Advertisement" sections of 
this book are taken, is a compilation of 1400 
pages of " ads. ' from the pens of hundreds 
of the best publicity writers, and used by 
thousands of the most successful advertisers 
of the country. They are not " model " ad- 
vertisements alone — actual use in all varieties 
of newspapers and magazines has shown 
that they are "business bringers." No ad- 
vertising writer, merchant, manufacturer or 
business man, in need of publicity, can af- 
ford to be without this book. It is arranged 
and classified so as to make advertisement 
writing clear, forceful and effective. An 
inspection of pages 19 to 75 of this book 
will show the character of the Cyclopedia, 
and its wide scope is shown by the index 
printed on the following pages. 

1400 pages, same size as this book, hand- 
somely bound in full leather, delivered, car- 
riage free, $15.00. 

Advertisers Cyclopedia Co., 
150 Nassau St. New York City. 



INDEX 



A 

Anniversary Sales 966 

Annual Sales 968 

Athletic Goods 33 

Words IT 

Art Needlework 49 

Autmobiles 50 

Words 17 

Automobile Supplies 53 

Words 17 

Awnings 54 

Words 17 

B 

Bags (see Leather Goods) 

Words 17 

Bakery (see Bread and Cake) illus- 
trated 1167 

Banks 55 

Words 17 

Illustrated 1172 

Bargains, Special 75 

Words 18 

Bathing Suits 92 

Words 18 

Bedding 96 

Words 18 

Beds 97 

Words 18 

Beer Ill 

Words 18 

Illustrated 1208 

Beverages 109 

Bicycles 37 

Words 18 

Blankets 99 

Words 18 

Books 123 

Words 18 

Bread (see also Cake) 131 

Words 18 

Bric-a-Brac 149 

Words 19 

Building Material, (see Lumber) . .151 

Words 19 

c 

Cake (see Bread) 131 

Words 18 

Cameras 38 

Carpets (see Floor Coverings) 396 

Words 19 

Words 19 

Candy 152 

Words 19 

Carpet Sweepers 163 

Words 19 



Clocks 658 

"Cash" 164 

Catering, Words 19 

Children's Shoes 1030 

China 309 

Words 19 

Christmas Gifts 169 

Cigars, etc 176 

Words 20 

Illustrated 1211 

Cleaning and Dyeing 185 

Words 20 

Clearance Sales 966 

Words 20 

Clothing, Boys' 186 

Men's 209 

Words 20 

Illustrated 1233 

Women's 1114 

Words 32 

Coal 262 

Words 21 

Illustrated 1267 

Coats, for Men 209 

Words 20 

For Women 1127 

Words 32 

For Girls 532 

Cocoa 272 

Cocktails, Words 21 

Coffee :....272 

Words 21 

Combs (see Toilet Articles) 31 

Comfortables (see Blankets) 99 

Words (see Bedding) 18 

Corsets 274 

Words 21 

Credit 285 

Words 21 

Curtains (see Draperies) 339 

Words 21 

Cut Glass 327 

Words 25 

Cutlery 592 

D 

Dentisty 332 

Words 21 

Diamonds 659 

Words (see Jewelry) 30 

Draperies .339 

Words 21 

Dresses, Women's 1141 

Words 32 

Girls' 532 

Dress Goods 344 

Words 22 



Dressmaking 365 

Words 22 

Dress Trimmings 366 

Words 22; 

Druggists' Supplies 367 

Words (see Toilet Articles).. 22 

E 

Electricity, Words 22 

Electricity and Gas 379 

Electric Fans, Words 23 

Embroidery 283 

Evening Wear, Men's 236 

F 

Fans 391 

Feathers 392 

Words 23 

Feed 393 

Fish 394 

Words . . . i 23 

Fishing Tackle 41 

Floor Covering 396 

Words (see Carpets) 19 

Flour 578 

Illustrated 1274 

Flowers 429 

Words 23 

Fruit 581 

Furniture 430 

Words 23 

Furs 473 

Words 24 

G 

Gas Ranges and Heaters 379 

Words 24 

General Introductions 488 

General Illustrated Advs 1335 

Girls' Coats and Dresses 532 

Words 24 

Girl Graduates 535 

Words 24 

Glassware 536 

Words 25 

Gloves 537 

Words 25 

Go-Carts 549 

Groceries 554 

Words 28 

Illustrated 1281 

Guns (see Rifles, etc.) 47 

Words 29 

H 

Hammocks 43 

Words 25 

Handkerchiefs 582 

Hardware 586 

Harness, etc 45 

Words 25 

Hats, Men's 756 

Words 27 



Hosiery 617 

Words 25 

House Coats 1049 

Words 30 

Housefurnishings 627 

Words 25 

Illustrated 1293 

I 

Ice 633 

Words 25 

Ice Cream 634 

Words 25 

Ice Cream Freezers 593 

Words 26 

Infants' Wear ...638 

Words 26 

Insurance 643 

Inventory Sales 966 

Words 29 

J 

Jewelry 645 

Words 30 

Illustrated 1295 

Jewelry Repairing 665 

K 

Kimonas and Wrappers 677 

Kitchen Utensils 594 

Knit Underwear 678 

Kodaks (see Cameras) 38 

L 

Laces 689 

Words 26 

Laundry 696 

Words 26 

Illustrated 1297 

Leather Goods (see Bags) Words.. 26 
Linen 717 

Words 26 

Linoleum (see Floor Coverings) .. .396 

Words 26 

Liquors (see Beverages, etc.) 119 

Loans 727 

Words 27 

Lumber (see also Building Mater- 
ials) 729 

Words (see also Building Ma- 
terials) 27 

M 

Mail Order Department 732 

Words 27 

Matting (see Floor Covering) 396 

Mattresses 106 

Words 27 

Meat 734 

Words 27 



Men's Furnishings 749 

Words 27 

Clothing 209 

Evening Wear 236 

Hats 756 

Overcoats 237 

Shirts 772 

Shoes 1015 

Straw Hats 767 

Suits 244 

Words 20 

Merchant Tailoring 779 

Millinery 789 

"Money Back" 815 

Musical Instruments 880 

Words 27 

Muslin Underwear 816 

N 

Neckwear for Women 830 

Notions 833 

o 

Oil Stoves 608 

Words . . . . 28 

Opening Sales 966 

Optical Goods 837 

Words 28 

Illustrated 1304 

"Our Ads" 831 

" Our Store " 854 

Out-Door Clothing 40 

Words 28 

Overcoats, Men's 237 

Oysters 864 

Words (see Sea Food) 23 

P 

Paint 865 

Words 28 

Illustrated 1311 

Parasols 867 

Pearls 659 

Perfumes 870 

Petticoats 871 

Phonographs (see Musical Instru- 
ments) 880 

Words 28 

Photography 872 

Photographic Supplies 46 

Words (see Cameras) 19 

Phrases 873 

Pianos 880 

Words 27 

Pictures 903 

Words 28 

Pillows 107 

Pillow Cases 107 

Plumbing 905 

Words 28 

Precious Stones 659 

Words (see Jewelry) 30 

Prices 908 

Provisions and Groceries, Words 28 



R 

Rain Coats 941 

Ranges (see Stoves) 614 

Words 30 

Real Estate 944 

Words 29 

Refrigerators 597 

Remnants 952 

Restaurants 955 

Revolvers 47 

Words 29 

Ribbons 758 

Rifles 47 

Words 29 

Rugs (see Floor Coverings) 396 

Words 29 

s 

Sales, Names 966 

Miscellaneous 969 

Special 982 

Words 29 

Screens 606 

Sea Food (see Oysters) 864 

Words 23 

Shoes, General 993 

Words 29 

Illustrated 1314 

Children's 1030 

Men's 1015 

Women's 1017 

Women's Low 1026 

Silks 1035 

Words 29 

Silverware 666 

Words 30 

Skates 48 

Words 30 

Skirts, Women's 1146 

Smoking Jackets 1049 

Words 30 

Soap 1050 

Words 30 

Soda 1051 

Soft Drinks 120 

Words 30 

Sporting Goods 33 

Words 17 

Stationery 1057 

Words 30 

Store News 1063 

Stoves, Ranges, etc 614 

Words 30 

Oil and Gas 608 

Words 28 

Straw Hats 767 

Suits, Men's 244 

Words 20 

Women's .1131 

School Supplies (see Stationery) . .1057 
Words 30 

T 

Table Linen 723 



Teas 272 

Words 31 

Thanksgiving 1064 

Tobaccos, etc 176 

Words 20 

Toilet Articles (see Druggists' Sup- 
plies 367 

Words 31 

Towels 725 

Toys 1065 

Words 31 

Trading Stamps 1067 

Traveling Bags (see Leather 

Goods) 1069 

Words 26 

Trousseaux 1110 

Trousers 243 

Trunks 1069 

Words 31 

u 

Umbrellas (see also Parasols) ....1075 
Words 31 

Upholstering 1080 

Words 31 



V 

Vacation 1081 

Valentines 1082 

Values 1083 

Vegetables 580 

Words (see Groceries) 28 

Vehicles 1086 

Words 31 

Veiling 1088 

Words 32 

w 

Waists, Women's 1150 

Wall Paper 1089 

Words 32 

Illustrated 1322 

Wash Fabrics 1099 

Watches 672 

Wedding Presents 1110 

White Goods 1112 

Whiskey 117 

Words 32 

Wines 119 

Words 32 

Women's Clothing 1114 

Words 32 



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